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Active

Active·3 days on market

2885 Circle Ridge Drive

Orange Park, FL 32065

$398,000$168/sqftEst. $2,052/moMLS# 2154096

Beds

Baths

2,364

Sq Ft

1982

Built

Garage

Yes

Pool

About this home

Orange Park

Welcome to this 4BD/2.5BA brick pool home offering 2,364 sq ft on a 0.41-acre corner, cul-de-sac lot in Foxridge. Systems are updated with a permitted shingle roof completed in February 2024 , dual HVAC units (2018/2011), an electric water heater , and connected public water and sewer utilities. The single-story layout features a family room anchored by a wood-burning fireplace , and a kitchen equipped with solid wood cabinets, an electric range, and a pass-through window to the lanai. The primary suite includes a walk-in shower , while the interior laundry room provides electric washer/dryer hookups. Outdoors, the property highlights a 544 sq ft gunite pool , a screened covered patio , a 6-foot wood privacy fence , and a storage shed. The 2-car garage includes a convenient half-bathroom. Located in Orange Park, this home carries a voluntary $50 HOA, zero CDD fees.

Cost to own

Mortgage calculator

Home Price

$398,000

Down Payment: 20%

$79,600

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,052

Principal & Interest: $2,052

Property taxes (est.): $610

Insurance (est.): $265

Estimated Total Monthly

$2,928

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,052

Property taxesest. at asking price, Clay County$610

HOAbilled voluntary$50

Estimated total, before insurance$2,712/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,285/yr · $190/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
2024	$327,318	$111,679	—
2023	$322,019	$106,825	—
2022	$285,998	$106,612	—
2021	$228,976	$102,036	—
2020	$207,058	$100,430	—

2025 property taxes (current owner): $2,285/yr

Estimated taxes if purchased at asking price: ~$7,300/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 (2024), 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 1982)

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: ~1,707 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 August 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

Aug 5, 2026Active$398,000
Jul 3, 2026Listed$398,000

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

Features

Price$398,000

Price / Sq Ft$168

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,364

Acres0.41 acres

Year Built1982

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Direction FacesNortheast

School Information

ElementaryRidgeview

MiddleOrange Park

HighRidgeview

Community Information

Address2885 Circle Ridge Drive, Orange Park, FL 32065

Area134-South Blanding

SubdivisionFoxridge

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size17,859.6 sq ft

Parcel Number14042502033107100

ZoningResidential

Amenities

AmenitiesPark, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Shower No Tub, Primary Downstairs

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCorner Lot, Cul-De-Sac

Patio / PorchCovered, Screened

FencingBack Yard, Wood

RoofShingle

ConstructionBrick

Other StructuresShed(s)

Additional Information

Date ListedAugust 5, 2026

Days on Market0

HOA Fees$50 / Voluntary

HOA FrequencyVoluntary

Tax Amount$2,285.39

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

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