Active

Active·9 days on market

1965 Swallow W

Orange Park, FL 32073

$239,000$196/sqftEst. $1,219/moMLS# 2153794

Beds

Baths

1,219

Sq Ft

1987

Built

Garage

Pool

About this home

Orange Park

This beautiful patio home is ready to become your new home. This 3 bedroom, 2 bathroom, 1219 sq ft home has a two-car garage, indoor laundry room, and a screened in porch with a very private setting. The home has tile flooring throughout, new interior paint, arched ceilings, newer roof (2021), water heater (3 years), HVAC (2020), electric panel (2022). The backyard is extremely private with a coquina wall behind the house and privacy fence on both sides. There is not much you need to do to this house besides move in and set up. The Cedar Bend community is in demand and a must see, this patio home is on a dead-end street and is very close to NAS Jax, about a mile from 295, convenient to hospitals, restaurants, shopping and on a private road in a quiet neighborhood. Professional photos will be added soon.

Cost to own

Mortgage calculator

Home Price

$239,000

Down Payment: 20%

$47,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,219

Principal & Interest: $1,219

Property taxes (est.): $366

Insurance (est.): $159

Estimated Total Monthly

$1,744

*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$1,219

Property taxesest. at asking price, Clay County$366

HOAbilled annually$12

Estimated total, before insurance$1,596/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.

Cost to own

Taxes & assessment

Last sold: $240,000 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$205,172	$0	—
2024	$202,786	$0	—
2023	$196,485	$147,840	—
2022	$162,916	$134,400	—
2021	$126,753	$122,182	—
2020	$113,996	$111,075	—

2025 property taxes (current owner): $358/yr

Estimated taxes if purchased at asking price: ~$4,400/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 — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,719 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