Active·66 days on market
3231 Merganzer Trail
Orange Park, FL 32065
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Orange Park
Nestled beneath mature shade trees in the desirable Waterview Ridge community, this well-maintained 3-bedroom, 1-bath home offers timeless charm and thoughtful updates. The main living areas and primary bedroom feature elegant marble tile flooring, while the secondary bedrooms offer durable ceramic tile. The kitchen is equipped with granite countertops, painted cabinetry, an undermount stainless steel sink, updated hardware, and stainless steel appliances. A dedicated interior laundry room adds everyday convenience. Step outside to your private backyard retreat featuring a spacious covered patio, winding brick walkways, lush tropical landscaping, mature shade trees, and multiple seating areas perfect for relaxing or entertaining. Complete with an attached one-car garage and conveniently located near shopping, dining, parks, and schools, this Orange Park gem is ready to welcome you home.
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 (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 — year not disclosed (home built 1991)
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: ~1,618 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 August 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $861/yr
Estimated taxes if purchased at asking price: ~$4,100/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.
History
Price & status history
- Aug 6, 2026Active$225,000
- Jul 20, 2026Listed$225,000
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 $226/sq ft; this home is listed at $236/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1571 Kingfisher Boulevard, Orange Park, FL 32065Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $249,000 | $207 | 3/2 | 1,202 | 55 | 0.1 |
| 3234 Dowitcher Lane, Orange Park, FL 32065Listed by JWB REALTY LLC | Jul 2026 | $264,900 | $222 | 3/2 | 1,195 | 51 | 0.1 |
| 1256 Cheyenne Court, Orange Park, FL 32065Listed by COLDWELL BANKER VANGUARD REALTY | May 2025 | $235,000 | $239 | 3/2 | 982 | 20 | 0.8 |
| 2805 Kiowa Avenue, Orange Park, FL 32065Listed by UNITED REAL ESTATE GALLERY | Jun 2026 | $235,000 | $226 | 3/2 | 1,040 | 81 | 0.9 |
| 1636 Mary Beth Drive, Middleburg, FL 32068Listed by MAXREV, LLC | Feb 2026 | $260,000 | $230 | 3/2 | 1,132 | 10 | 1 |
| 2706 Tina Lane, Middleburg, FL 32068Listed by COLDWELL BANKER BEN BATES INC | Oct 2026 | $220,000 | $187 | 4/2 | 1,174 | 53 | 1.1 |
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: WATSON REALTY CORP
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.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines