Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

For Rent·6 days on market

3528 Cunningham Road

Orange Park, FL 32065

$2,995/moMLS# 2157702

Rental listing

Krista specializes in home sales, not rentals. To tour or apply for this rental, contact the listing agent directly:

COLE COVINGTON · FLORIDA NETWORK PROPERTY MANAGEMENT

Beds

Baths

2,648

Sq Ft

2023

Built

Garage

Pool

About this home

Orange Park

Immaculate 4 bedroom, 2.5 bathroom home with a dedicated office, spacious loft, and 2,648 square feet of living space. This open-concept floor plan seamlessly connects the living and dining areas to the fully equipped kitchen, featuring quartz countertops, a tiled backsplash, stainless steel appliances, a large center island, and a gas range. The spacious primary suite offers dual vanities, a walk-in shower, and an oversized walk-in closet. Additional features include a washer and dryer, tankless water heater, two-car garage, and a fully fenced backyard with a covered lanai, perfect for relaxing or entertaining. Application is $75 per person 18 & over. Processing fee of $125, Pets approved through pet screening at $50 pet rent/monthly

Cost to own

Mortgage calculator

Home Price

$2,995

Down Payment: 20%

$599

Interest Rate: 6.58%

Loan Term

Monthly Payment

$15

Principal & Interest: $15

Property taxes (est.): $5

Insurance (est.): $2

Estimated Total Monthly

$22

*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

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$419,367	$358,645	—
2024	$431,598	$421,598	—
2023	$50,000	$50,000	—
2022	$10,000	$10,000	—

Estimated taxes if purchased at asking price: ~$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 (2025), NEFMLS.