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Active Under Contract

Active Under Contract·25 days on market

3949 Heavenside Court

Orange Park, FL 32073

$450,000$204/sqftEst. $2,294/moMLS# 2153083

Beds

Baths

2,205

Sq Ft

1998

Built

Garage

Yes

Pool

About this home

Orange Park

Home Qualifies for 100% financing, no PMI.Make a splash this summer in this beautifully freshly painted renovated 4-bedroom, 2-bath pool home, ideally situated on the largest lot in the neighborhood at the end of a quiet cul-de-sac. Just 5 minutes from Oakleaf Town Center, you'll enjoy convenient access to shopping, dining, and entertainment. Inside, you'll find brand-new luxury vinyl plank flooring throughout and a kitchen featuring new stainless steel appliances. Major updates including the roof, new exterior stucco, all windows, exterior doors, HVAC system, and water heater,all replaced within the last seven years, provide added peace of mind. Step outside to your private backyard retreat with a sparkling pool and plenty of space to entertain, relax, or play. This move-in-ready home offers the perfect combination of comfort, convenience, and outdoor living.

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $690

Insurance (est.): $300

Estimated Total Monthly

$3,284

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,294

Property taxesest. at asking price, Clay County$690

HOAbilled annually$13

Estimated total, before insurance$2,997/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,170/yr · $181/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$331,001	$108,235	—
2024	$327,351	$104,337	—
2023	$326,626	$99,697	—
2022	$297,381	$95,192	—
2021	$228,556	$90,818	—
2020	$211,695	$88,805	—

2025 property taxes (current owner): $2,170/yr

Estimated taxes if purchased at asking price: ~$8,300/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1998)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,741 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jul 20, 2026Active Under Contract$450,000
Jun 30, 2026Listed$450,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$450,000

Price / Sq Ft$204

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,205

Acres0.34 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame, Ranch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced, Pool Sweep

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryArgyle

MiddleOakleaf Jr High

HighOrange Park

Community Information

Address3949 Heavenside Court, Orange Park, FL 32073

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionSweet Briar

CityOrange Park

CountyClay

StateFL

Zip Code32073

Lot Size14,810.4 sq ft

Parcel Number04042500786600731

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener, On Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, ENERGY STAR Qualified Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)