1 / 44

Active

Active·Listed today

1434 River Road

Orange Park, FL 32073

$899,000$352/sqftEst. $4,584/moMLS# 2154962

Beds

Baths

2,557

Sq Ft

1920

Built

Garage

Pool

About this home

Orange Park

Wake up to breathtaking sunrises over the St. Johns River from the charming front porch of this lovingly restored 1920 home. Blending timeless character with modern updates, this rare property sits on a deep 3/4 acre lot with room for a pool, guest house, or your dream outdoor oasis. With no HOA and plenty of space, you can bring your boat, RV, or both! Launch your boating lifestyle by building a private dock and cruise to waterfront restaurants, Jaguar game day tailgates, or unforgettable fishing adventures. Enjoy the walkable riverfront neighborhood with sidewalks perfect for morning strolls. More than a home, it's a lifestyle where history, charm, and life on the river come together every day!

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,584

Principal & Interest: $4,584

Property taxes (est.): $1,378

Insurance (est.): $599

Estimated Total Monthly

$6,561

*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$4,584

Property taxesest. at asking price, Clay County$1,378

Estimated total, before insurance$5,961/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

2025 property taxes (current owner): $7,670/yr

Estimated taxes if purchased at asking price: ~$16,500/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, 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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1920)

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

Sewer · FL0023922 · Public water (record)

County records show this parcel on central sewer served by FL0023922 — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,593 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