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Active

Active·12 days on market

620 Ivory Palm Road

Orange Park, FL 32073

$489,000$193/sqftEst. $2,493/moMLS# 2155105

Beds

Baths

2,530

Sq Ft

2022

Built

Garage

Pool

About this home

Orange Park

Set in the sought-after community of Wildford Preserve, this like-new one-story ranch home offers 4 bedrooms and 3 bathrooms with the kind of thoughtful upgrades that make everyday living easier. An oversized driveway provides ample parking and leads to a covered front porch, setting a welcoming tone before you even step inside. Pergo plank flooring runs throughout the main living areas, complemented by tray ceilings in both the living room and master suite. The kitchen is built for both function and gathering, with granite countertops, an extended island that seats four, a gas range, and a pantry just steps from the dinette. A three-panel sliding glass door off the living room opens to an oversized screened patio and large 13 X 16 wood deck, all within a fully fenced backyard, an easy setup for outdoor entertaining or quiet mornings with coffee. The master suite is a true retreat, with double-door entry, a bay window, its own tray ceiling, and two walk-in closets.

Cost to own

Mortgage calculator

Home Price

$489,000

Down Payment: 20%

$97,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,493

Principal & Interest: $2,493

Property taxes (est.): $749

Insurance (est.): $326

Estimated Total Monthly

$3,569

*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$2,493

Property taxesest. at asking price, Clay County$749

HOAbilled annually$70

Estimated total, before insurance$3,313/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,801/yr · $650/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
2025	$370,016	$319,294	—
2024	$362,660	$312,660	—
2023	$378,854	$328,854	—
2022	$55,000	$44,000	—
2021	$40,000	$40,000	—

2025 property taxes (current owner): $7,801/yr

Estimated taxes if purchased at asking price: ~$9,000/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 (2025), 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 2022)

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

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