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Active

Active·17 days on market

668 Fingal Drive

Orange Park, FL 32073

$510,000$200/sqftEst. $2,600/moMLS# 2155482

Beds

Baths

2,550

Sq Ft

1987

Built

Garage

Yes

Pool

About this home

Orange Park

POOL HOME PLUS A 6 SEATER GOLF CART!! Welcome to this beautifully updated 4-bedroom, 3.5-bath brick home tucked away on nearly a half an arcre on a quiet cul-de-sac in Orange Park's gated Loch Rane community. Backing to a private wooded preserve and featuring a resurfaced in-ground pool, this move-in ready home offers the perfect combination of modern updates, spacious living, and outdoor enjoyment. Step inside to a bright and inviting floor plan featuring a spacious living area with a classic brick fireplace, abundant natural light, and a dedicated formal dining room ideal for entertaining. The first-floor primary suite offers a private retreat complete with dual vanities, a garden tub, separate shower, and walk-in closet. The heart of the home is the beautifully updated kitchen, showcasing new cabinetry, quartz countertops, stainless steel appliances, modern fixtures, and a new sliding glass door that opens to the backyard oasis.

Cost to own

Mortgage calculator

Home Price

$510,000

Down Payment: 20%

$102,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,600

Principal & Interest: $2,600

Property taxes (est.): $782

Insurance (est.): $340

Estimated Total Monthly

$3,722

*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$2,600

Property taxesest. at asking price, Clay County$782

HOAbilled annually$122

Estimated total, before insurance$3,504/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,265/yr · $439/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): $5,265/yr

Estimated taxes if purchased at asking price: ~$9,400/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1987)

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: ~1,707 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 18, 2026Active$510,000
Jul 14, 2026Listed$510,000

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

Features

Price$510,000

Price / Sq Ft$200

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,550

Acres0.48 acres

Year Built1987

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontNo

School Information

ElementaryS. Bryan Jennings

MiddleOrange Park

HighOrange Park

Community Information

Address668 Fingal Drive, Orange Park, FL 32073

Area131-Meadowbrook/Loch Rane

SubdivisionLoch Rane

CityOrange Park

CountyClay

StateFL

Zip Code32073

Lot Size20,908.8 sq ft

Parcel Number42042500881424549

ZoningResidential

Amenities

AmenitiesPool, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecurityGated with Guard