Active Under Contract·23 days on market
615 Bartram Downs Road
Orange Park, FL 32065
About this home
Orange Park
2024 build • $13,050 (3%) closing cost credit • No CDD fees • 4BR/3BA • Nature-view backyard • Quartz counters • LVP flooring Built in 2024, this 4-bedroom, 3-bath home offers 2,388 sq ft of fresh, move-in-ready space in Orange Park with the savings of no CDD fees. Seller is offering $13,050 toward buyer closing costs with accepted offer, a 3% credit that helps this home stand out against nearby new construction! All appliances convey including washer and dryer. Set near Oakleaf Plantation conveniences, 615 Bartram Downs Rd pairs modern finishes with a larger backyard setting overlooking peaceful natural views. The open main living area features LVP flooring, quartz countertops, a bright kitchen, and easy flow for everyday living or hosting. A full bedroom and bath on the main level add flexibility, while the upstairs layout includes comfortable bedroom space and room to spread out. Tiled showers, clean 2024 finishes, and a neutral design keep the look current without the
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
Last sold: $445,400 in May 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $391,678 | $340,956 | — |
| 2024 | $65,000 | $55,000 | — |
| 2023 | $50,000 | $50,000 | — |
| 2022 | $10,000 | $10,000 | — |
2025 property taxes (current owner): $5,910/yr
Estimated taxes if purchased at asking price: ~$8,000/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 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,796 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.
History
Price & status history
- Jul 17, 2026Active Under Contract$435,000
- Jul 1, 2026Listed$435,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines