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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$520,0004 bd · 3.5 ba · 2,662 sq ft

Active·121 days on market

4203 Pine Road Road

Orange Park, FL 32065

$520,000$195/sqftEst. $2,835/mo mortgageMLS# 2155021
↓ $19,000 below original list
4
Beds
3.5
Baths
2,662
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XNo HOA14,810 sqft lotSingle Family Residence2 storiesNew construction

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Orange Park

NEW CONSTRUCTION | TWO PRIMARY SUITES | NO HOA/CDD | SMART HOME | MOVE-IN READY Welcome to this one of a kind 4 bedroom, 3.5-bath custom home offering 2,662 sq. ft. of thoughtfully designed living space. Quality craftsmanship and attention to detail are showcased throughout. The home features two luxurious primary suites one on the main floor and one upstairs each with a private suite bathroom, ideal for multigenerational living, guests, or added privacy. The upstairs suite opens to a private balcony, perfect for morning coffee or relaxing at sunset. The open-concept living area flows into a chef-inspired kitchen featuring quartz countertops, designer finishes, abundant cabinetry, and a large center island. Additional highlights include modern bathrooms, abundant natural light, smart-home features, and an attached two-car garage. Situated on a spacious lot with no HOA ,conveniently located near schools, shopping, dining, and major highways. Move-in ready!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,835
Property taxesest. at asking price, Clay County$797
Estimated total, before insurance$3,632/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$520,000
$104,000
Loan Term
Monthly Payment
$2,835
Principal & Interest: $2,835
Property taxes (est.): $797
Insurance (est.): $347
Estimated Total Monthly
$3,979
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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, Wood — year not disclosed (home built 2026)

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

Solar potential: ~1,518 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

Southeast-facing backyard — winter sunrises, bright mornings

The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 6:48 AM, sunset 5:34 PM.

  • The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
  • A comfortable compromise lot: real sun without the western afternoon heat.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Oct 21, 2026Price change$520,000−$9,900
  • Oct 12, 2026Price change$529,900−$5,000
  • Sep 12, 2026Price change$534,900−$4,100
  • Jul 12, 2026Listed$539,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $199/sq ft; this home is listed at $195/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4199 Pine Road Road, Orange Park, FL 32065Listed by AVALON GROUP USA LLCSep 2026$520,000$1954/3.52,6621790
3151 Nautilus Road, Middleburg, FL 32068Listed by WATSON REALTY CORPOct 2026$505,000$1894/32,672641.2
1912 Silo Oaks Place, Middleburg, FL 32068Listed by MAGNOLIA REAL ESTATE COMPANYOct 2026$489,990$2053/22,38941.2
3074 Nautilus Road, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$430,000$1994/32,16441.3
3034 Nautilus Road, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2026$417,500$2024/22,067261.3
1928 Moorings Circle, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$610,000$1845/53,317881.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$520,000
Price / Sq Ft$195
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,662
Acres0.34 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesNorthwest

School Information

ElementaryMontclair
MiddleLakeside

Community Information

Address4203 Pine Road Road, Orange Park, FL 32065
Area138-Tanglewood
SubdivisionDoctors Lake Estates
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size14,810.4 sq ft
Parcel Number26042500880400000
ZoningSingle Family

Amenities

UtilitiesElectricity Available, Electricity Connected, Water Available, Water Connected
SewerSeptic Tank
Water SourceWell
Green / EnergyLighting
ParkingAttached, Garage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Bathroom - Tub with Shower, Smart Home, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric, Hot Water
CoolingAttic Fan, Central Air
# of Stories2
LevelsTwo
LaundryIn Unit
Spa FeaturesBath

Exterior

Exterior FeaturesBalcony
Patio / PorchPatio, Porch
FencingBack Yard
RoofShingle, Wood
ConstructionFrame, Stucco
Road SurfaceConcrete

Additional Information

Date ListedJuly 12, 2026
Days on Market121
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: AVALON GROUP USA LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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