Sold·Closed Aug 20, 2026·6 days on market
1435 Pawnee Street
Orange Park, FL 32065
About this home
Orange Park
3 Bed, 2 Bath Pool Home with Office in Orange Park | Spring-Fed Lake Frontage | No HOA or CDD | New Roof Prior to Closing! Enjoy waterfront living in this 1,624-square-foot single-family home featuring 3 bedrooms, 2 bathrooms, a dedicated office with built-in features, and a 2-car garage. Situated on a 0.22-acre lot, this 1993 home offers updated flooring throughout, fresh interior paint, updated fixtures, HVAC (2020), and a new water heater (2026). A new roof will be installed prior to closing, providing added value and peace of mind. Step outside to your private pool overlooking a beautiful spring-fed lake. The fully fenced backyard provides privacy while creating the perfect setting for relaxing, entertaining, or enjoying the peaceful waterfront views. With no HOA or CDD fees, you'll enjoy added flexibility while remaining conveniently located near shopping, dining, parks, schools, and major commuter routes in Orange Park.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1993)
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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,597/yr
Estimated taxes if purchased at asking price: ~$5,800/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.
History
Price & status history
- Aug 20, 2026Closed$315,000
- Aug 14, 2026Pending$315,000
- Jul 20, 2026Active Under Contract$315,000
- Jul 14, 2026Listed$315,000
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 $186/sq ft; this home is listed at $194/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2773 Winchester Avenue, Orange Park, FL 32065Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $195,000 | $146 | 3/2 | 1,338 | 27 | 0.5 |
| 1695 Sandy Hollow Loop, Middleburg, FL 32068Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $325,000 | $186 | 3/2 | 1,748 | 5 | 0.7 |
| 1647 Rhonda Drive, Middleburg, FL 32068Listed by ENTERA REALTY LLC | Sep 2026 | $243,000 | $207 | 3/2 | 1,172 | 48 | 0.8 |
| 2706 Tina Lane, Middleburg, FL 32068Listed by COLDWELL BANKER BEN BATES INC | Oct 2026 | $220,000 | $187 | 4/2 | 1,174 | 53 | 0.9 |
| 2025 Frogmore Drive, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $310,000 | $175 | 4/2 | 1,770 | 39 | 0.9 |
| 1658 Evergreen Lane E, Middleburg, FL 32068Listed by RE/MAX SPECIALISTS | Sep 2026 | $137,600 | $102 | 3/2 | 1,348 | 171 | 1 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
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.
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 20, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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