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Active

Active·11 days on market

3662 Mateo Place

Orange Park, FL 32065

$569,000$213/sqftEst. $2,901/moMLS# 2155205

Beds

Baths

2,675

Sq Ft

1973

Built

—

Garage

Yes

Pool

About this home

Orange Park

Looking for a multi-generational home? Looking for an investment home? NO HOA? Well this is it...2 Homes on 1 Property!! Rare opportunity to own a beautifully updated home featuring a 3BR/2BA main house & a separate 3BR/2BA Guest House with a POOL in the middle sitting on a HUGE 87x230 lot(.46 Acres) w/plenty of room for a detached garage or RV/Boat parking. These 2 homes offer a total of 6 bedrooms & 4 baths. Perfect for multi-generational living, hosting guests, or generating rental income. Both homes feature completely updated kitchen & bathrooms, laundry in both units & are move-in ready. Stainless appliances, LVP floors, Roof, AC & Water Heater 2024. Enjoy Florida living w/a sparkling pool, large fenced backyard & plenty of space for entertaining or relaxing. Conveniently located w/endless possibilities, this versatile property is one you don't want to miss! Just a couple blocks to Miniature Acres Park & Moody Ave Park. Close to schools, shopping & more. Gazebo sold ''As-Is''

Cost to own

Mortgage calculator

Home Price

$569,000

Down Payment: 20%

$113,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,901

Principal & Interest: $2,901

Property taxes (est.): $872

Insurance (est.): $379

Estimated Total Monthly

$4,152

*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$2,901

Property taxesest. at asking price, Clay County$872

Estimated total, before insurance$3,773/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,604/yr · $550/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

2025 property taxes (current owner): $6,604/yr

Estimated taxes if purchased at asking price: ~$10,500/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1973)

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: ~1,682 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 13, 2026Listed$569,000

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

Features

Price$569,000

Price / Sq Ft$213

Bedrooms6

Bathrooms4.00

Full Baths4

Square Footage2,675

Acres0.46 acres

Year Built1973

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational

Property ConditionUpdated/Remodeled

StatusActive

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Community Information

Address3662 Mateo Place, Orange Park, FL 32065

Area136-Lakeside Estates

SubdivisionMiniature Acres

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size20,037.6 sq ft

Lot Dimensions87 x 230

Parcel Number40042502075701800

Amenities

UtilitiesCable Available, Electricity Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Guest, Off Street, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air, Wall/Window Unit(s)

FlooringLaminate, Tile

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryIn Unit