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Active

Active·11 days on market

712 Red Cedar Court

Orange Park, FL 32073

$425,000$190/sqftEst. $2,167/moMLS# 2155213

Beds

Baths

2,236

Sq Ft

2005

Built

Garage

Yes

Pool

About this home

Orange Park

Welcome HOME to this turn-key, one-story pool home on a quiet cul-de-sac in Clay County's Spencer's Plantation. Spanning a spacious 2,236 sq/ft, the functional split plan features 4 beds, 2 baths, a formal dining room, and a family room highlighted by stunning, library-like custom built-ins. An enormous gourmet kitchen serves as the heart of the home with beautiful countertops, 42'' cabinets, a breakfast area, and seamless flow. French doors lead to a large sunroom, private patio, and sparkling pool with an updated pool deck--perfect for indoor-outdoor entertaining. The fully fenced yard also features a finished, detached 10'x14' outbuilding ideal for a home office, guest space, or workshop. Major updates include a 2022 roof. Enjoy a prime location with NO CDD, low HOA fees, top-rated schools, and quick access to Oakleaf Town Center and NAS Jacksonville! VA Assumable

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,167

Principal & Interest: $2,167

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,102

*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$2,167

Property taxesest. at asking price, Clay County$651

HOAbilled annually$23

Estimated total, before insurance$2,841/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,184/yr · $349/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): $4,184/yr

Estimated taxes if purchased at asking price: ~$7,800/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Shingle — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,770 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$425,000

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

Features

Price$425,000

Price / Sq Ft$190

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,236

Total Structure Area2,911 sq ft

Acres0.20 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesAbove Ground, Fenced

Is WaterfrontNo

School Information

ElementaryArgyle

MiddleOrange Park

HighOrange Park

Community Information

Address712 Red Cedar Court, Orange Park, FL 32073

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionSpencers Plantation

CityOrange Park

CountyClay

StateFL

Zip Code32073

Lot Size8,712 sq ft

Parcel Number03042500786400866

ZoningResidential

Amenities

AmenitiesJogging Path

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewProtected Preserve, Trees/Woods, Other

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDisposal, Electric Range, Electric Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySmoke Detector(s)