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Active

Active·14 days on market

514 Oakmont Drive

Orange Park, FL 32073

$565,000$197/sqftEst. $2,881/moMLS# 2154944

Beds

Baths

2,863

Sq Ft

1999

Built

Garage

Pool

About this home

Orange Park

Welcome to this beautifully updated custom ranch in the gated Orange Park Country Club! Tucked away on a quiet cul-de-sac, this 5-bedroom (Office/Bonus room is 5th), 4-bath home offers over-the-top space with two private ensuites, soaring ceilings, abundant natural light, and a desirable split-bedroom floor plan. The stunning remodeled gourmet kitchen (2023) is the heart of the home, featuring a massive island, custom white cabinetry, 2 double ovens, warming drawers, updated appliances, and an open flow into the spacious family room with a wood-burning fireplace--perfect for entertaining. The oversized primary suite offers a sitting area, electric fireplace, direct access to the screened lanai, a custom walk-in closet, and a luxurious spa-like bath. All new windows and 4'' shutters in 2024.. Country Club includes 2 restaurants, massive covered pickleball courts, a golf simulator, a driving range and disc golf. Minutes away from all the shopping and entertainment in OP.

Cost to own

Mortgage calculator

Home Price

$565,000

Down Payment: 20%

$113,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,881

Principal & Interest: $2,881

Property taxes (est.): $866

Insurance (est.): $377

Estimated Total Monthly

$4,123

*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$2,881

Property taxesest. at asking price, Clay County$866

HOAbilled semi-annually$117

Estimated total, before insurance$3,864/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.

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.

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 1999)

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: ~1,709 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