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Active

Active·1 day on market

514 Sugar Grove Place

Orange Park, FL 32073

$619,900$195/sqftEst. $3,161/moMLS# 2156545

Beds

Baths

3,187

Sq Ft

2005

Built

Garage

Pool

About this home

Orange Park

Welcome to this beautifully updated 5-bedroom, 3-bath 2 story home offering over 3,100 square feet of thoughtfully designed living space in the gated Orange Park Country Club community. 5 Bedrooms and a media room upstairs. Freshly painted inside and out, this move-in-ready home features brand-new luxury vinyl plank flooring, a 2022 roof, and a 2024 HVAC system, giving buyers peace of mind for years to come.Designed and Built by J A Long for everyday living and entertaining, the spacious floor plan offers generous living areas, a well-appointed kitchen, and a whole-house central vacuum system for added convenience. Car enthusiasts & boat owners will appreciate the oversized 3-car garage, including an extra-tall bay measuring approximately 10' wide x 9' high, ideal for taller vehicles, lifted trucks, or a small boat on a trailer. The second bay measures approximately 18' wide x 9' high, providing abundant space for vehicles, storage, and recreational equipment.

Cost to own

Mortgage calculator

Home Price

$619,900

Down Payment: 20%

$123,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,161

Principal & Interest: $3,161

Property taxes (est.): $950

Insurance (est.): $413

Estimated Total Monthly

$4,524

*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$3,161

Property taxesest. at asking price, Clay County$950

HOAbilled semi-annually$156

Estimated total, before insurance$4,266/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,575/yr · $715/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): $8,575/yr

Estimated taxes if purchased at asking price: ~$11,400/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: ~1,756 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 22, 2026Listed$619,900

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

Features

Price$619,900

Price / Sq Ft$195

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,187

Acres0.38 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryS. Bryan Jennings

MiddleOrange Park

HighOrange Park

Community Information

Address514 Sugar Grove Place, Orange Park, FL 32073

Area131-Meadowbrook/Loch Rane

SubdivisionOrange Park Cc

CityOrange Park

CountyClay

StateFL

Zip Code32073

Lot Size16,552.8 sq ft

Parcel Number42042500881425221

Amenities

AmenitiesPool, Children's Pool, Gated, Playground, Racquetball, RV/Boat Storage

UtilitiesElectricity Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Central Vacuum, Entrance Foyer, Guest Suite, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level

Security24 Hour Security, Gated with Guard, Security Gate