Pending·82 days on market
838 Westminster Drive
Orange Park, FL 32073
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
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
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: ~1,608 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $392,415 | $201,678 | — |
| 2024 | $359,817 | $195,146 | — |
| 2023 | $353,920 | $187,861 | — |
| 2022 | $325,063 | $185,288 | — |
| 2021 | $265,125 | $178,421 | — |
| 2020 | $246,480 | $175,261 | — |
2025 property taxes (current owner): $3,488/yr
Estimated taxes if purchased at asking price: ~$9,700/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.
History
Price & status history
- Sep 2, 2026Pending$525,000
- Aug 1, 2026Price change$525,000−$23,500
- Jul 8, 2026Price change$548,500−$500
- Jul 1, 2026Listed$549,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
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