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Active

Active·7 days on market

838 Westminster Drive

Orange Park, FL 32073

$548,500$217/sqftEst. $2,919/moMLS# 2153216

Beds

Baths

2,526

Sq Ft

1994

Built

Garage

Yes

Pool

About this home

Orange Park

Welcome to your own private retreat! Tucked away on a cul-de- sac and situated on 1.58 acres in a sought -after community, this beautiful 3-bedroom, 2-bath home offers the perfect blend of privacy, nature, and resort-style living. Backing to a serene, wooded preserve, you will enjoy peaceful views and frequent visits from deer that roam freely, creating a truly tranquil setting. Inside the home features beautiful, engineered wood flooring flows throughout the main living areas, while a double-sided fireplace adds warmth with an inviting focal point and timeless appeal. Step outside to your covered in-ground pool, the perfect place for entertaining while taking in the beauty of the surrounding preserve. The community offers exceptional amenities, including pickleball courts, frisbee golf, also a beautiful restaurant for dining. Whether you're looking for a peaceful escape or an active lifestyle this home offers the best of both worlds.

Cost to own

Mortgage calculator

Home Price

$548,500

Down Payment: 20%

$109,700

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,919

Principal & Interest: $2,919

Est. Taxes & Insurance: $730

Estimated Total Monthly

$3,649

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$2,919

Property taxesest. at asking price, Clay County$845

HOAbilled semi-annually$155

Estimated total, before insurance$3,919/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$392,415	$201,678	—

2025 property taxes (current owner): $3,488/yr

Estimated taxes if purchased at asking price: ~$10,100/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 921 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — year not disclosed (home built 1994)

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

Solar potential: ~1,608 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History