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Active

Active·3 days on market

1024 River Road

Orange Park, FL 32073

$660,000$358/sqftEst. $3,365/moMLS# 2156172

Beds

Baths

1,846

Sq Ft

1945

Built

—

Garage

Pool

About this home

Orange Park

Completely renovated and move-in ready! This beautifully updated riverfront home features extensive recent improvements, including a new roof, updated landscaping, and modern finishes throughout. The functional floor plan offers comfortable living spaces designed for today's lifestyle while showcasing beautiful water views.A standout feature of the property is the attached apartment complete with its own kitchen, providing flexibility for multigenerational living, extended guests, or a private workspace. Enjoy the benefits of riverfront living with the opportunity to rebuild the existing dock, allowing future owners to customize their waterfront access and make the most of life on the water. Conveniently located near shopping, dining, schools, parks, and major roadways, this turnkey property offers a rare combination of modern updates, versatile living space, and waterfront potential. Schedule your private showing today!

Cost to own

Mortgage calculator

Home Price

$660,000

Down Payment: 20%

$132,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,365

Principal & Interest: $3,365

Property taxes (est.): $1,011

Insurance (est.): $440

Estimated Total Monthly

$4,817

*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$3,365

Property taxesest. at asking price, Clay County$1,011

Estimated total, before insurance$4,377/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,071/yr

Estimated taxes if purchased at asking price: ~$12,100/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1945)

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

Sewer · FL0023922 · Public water (record)

County records show this parcel on central sewer served by FL0023922 — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,335 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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