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Active

Active·16 days on market

997 Laurel Valley Drive

Orange Park, FL 32065

$415,000$218/sqftEst. $2,116/moMLS# 2154548

Beds

Baths

1,902

Sq Ft

2020

Built

Garage

Pool

About this home

Orange Park

Open House this 7/25 1-4pm and 7/26 1-3pm ***VA ASSUMABLE LOAN for qualified buyers with 2.75% interest rate *** Enjoy Florida living in this well maintained 3 bedroom, 2 bathroom home located in the sought after Eagle Landing community in Oakleaf. Freshly painted and move in ready, this home features a spacious open floor plan with a split bedroom layout. The kitchen is designed for everyday living and entertaining, complete with a cooktop, double wall ovens, plenty of cabinet space, and a large island overlooking the main living area. The primary suite offers a relaxing retreat with a spacious walk in closet, double vanity, separate soaking tub, and walk in shower. Outside you will find a fenced backyard overlooking a peaceful pond, providing the perfect setting to enjoy your morning coffee, unwind after a long day, or entertain family and friends.

Cost to own

Mortgage calculator

Home Price

$415,000

Down Payment: 20%

$83,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,116

Principal & Interest: $2,116

Property taxes (est.): $636

Insurance (est.): $277

Estimated Total Monthly

$3,029

*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$2,116

Property taxesest. at asking price, Clay County$636

HOAbilled annually$4

Estimated total, before insurance$2,756/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,930/yr · $744/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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	$315,570	$315,570	—
2023	$307,747	$307,747	—
2022	$287,173	$287,173	—
2021	$40,000	$16,105	—
2020	$40,000	$14,641	—

2025 property taxes (current owner): $8,930/yr

Estimated taxes if purchased at asking price: ~$7,600/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 2020)

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

Solar potential: ~1,765 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

Price & status history

Jul 9, 2026Listed$415,000

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

Features

Price$415,000

Price / Sq Ft$218

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,902

Acres0.21 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address997 Laurel Valley Drive, Orange Park, FL 32065

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionEagle Landing

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size9,147.6 sq ft

Parcel Number13042400554201657

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Golf Course, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air

# of Stories1

LevelsOne

LaundryIn Unit