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Sold

Sold·Closed Sep 8, 2026·5 days on market

778 Ennis Drive

Orange Park, FL 32073

$345,000sold priceListed at $345,000 · 100% of asking$153/sqftMLS# 2158063
4
Beds
3
Baths
2,252
Sq Ft
1985
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $128/mo14,810 sqft lotSingle Family Residence2 stories

About this home

Orange Park

Pool home in desirable Loch Lane community is ready for new owners! New roof in 2023, this 4 bedroom, 3 bathroom home is perfect for a family and entertaining! Priced to sell, won't last long. Schedule your showing today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,911
Property taxesest. at asking price, Clay County$529
HOAbilled annually$128
Estimated total, before insurance$2,568/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,860/yr · $238/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$345,000
$69,000
Loan Term
Monthly Payment
$1,911
Principal & Interest: $1,911
Property taxes (est.): $529
Insurance (est.): $230
Estimated Total Monthly
$2,670
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — 2023 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: ~1,394 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 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,860/yr

Estimated taxes if purchased at asking price: ~$6,300/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

  • Sep 15, 2026Closed$345,000
  • Aug 6, 2026Active Under Contract$345,000
  • Jul 31, 2026Listed$345,000

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 $168/sq ft; this home is listed at $153/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
526 Samuel Huntington Street, Orange Park, FL 32073Listed by THE STANLEY REALTY GROUP LLCAug 2026$275,000$1473/21,877250.3
663 Kilchurn Drive, Orange Park, FL 32073Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2026$440,000$1554/32,840330.4
553 Thomas Stone Court, Orange Park, FL 32073Listed by TPR REAL ESTATE GROUP INCSep 2026$281,000$1643/21,714750.4
685 Bowie Boulevard, Orange Park, FL 32073Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAAug 2026$290,000$1823/21,59630.4
2187 Constitution Drive, Orange Park, FL 32073Listed by KELLAR REALTY AND PROPERTY MANAGEMENT INCAug 2026$316,500$1684/21,885360.6
333 Dillon Court, Orange Park, FL 32073Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$325,000$2063/21,57680.9

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

Price$345,000
Price / Sq Ft$153
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,252
Acres0.34 acres
Year Built1985
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address778 Ennis Drive, Orange Park, FL 32073
Area134-South Blanding
SubdivisionLoch Rane
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size14,810.4 sq ft
Parcel Number42042500881424353

Amenities

UtilitiesElectricity Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage

Interior

AppliancesDishwasher, Electric Oven, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories2

Additional Information

Date ListedJuly 31, 2026
Days on Market5
HOA Fees$1,536.15 / Annually
HOA FrequencyAnnually
Tax Amount$2,859.8
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 8, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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