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Active

Active·2 days on market

2591 Eagle Bay Drive

Orange Park, FL 32073

$475,000$195/sqftEst. $2,455/moMLS# 2158724

Beds

Baths

2,433

Sq Ft

1983

Built

Garage

Pool

About this home

Orange Park

Secluded Half-Acre Retreat with Deeded Access to Doctors Lake 2018 ROOF / NEW AC Tucked beneath oaks & Spanish moss on a quiet private road in sought-after Eagle Bay, this brick ranch sits on a 1/2 acre with feeling of seclusion(4.5 mi to I-295). Deeded access via a wooded boardwalk leads to a private 300-ft community dock on Doctors Lake -- waterfront living, no waterfront price tag. Interior: vaulted great room w/ brick fireplace, wood flooring, leaded-glass entry, bright kitchen w/ oversized island & stainless appliances, quartz counters, formal dining w/ bay window, spacious bedrooms, spa-like primary bath (dual vanities, garden tub/shower), office/den, sunroom, atrium courtyard, interior laundry w/ utility sink. Exterior: fenced half-acre lot, 80'x22' driveway, brick façade, 2 storage sheds, Ring + ADT security. Just 13 homes on this private road. Minutes to shopping, dining & top schools. A rare blend of privacy and convenience in Clay County. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,455

Principal & Interest: $2,455

Property taxes (est.): $728

Insurance (est.): $317

Estimated Total Monthly

$3,499

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,455

Property taxesest. at asking price, Clay County$728

Estimated total, before insurance$3,182/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,197/yr · $350/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): $4,197/yr

Estimated taxes if purchased at asking price: ~$8,700/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Septic system (public record) · Public water · Clay County Utilities

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,212 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.

History

Price & status history

Sep 2, 2026Price change$475,000+$6,000
Sep 1, 2026Active$469,000
Aug 24, 2026Pending$469,000
Aug 5, 2026Listed$469,000

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

Features

Price$475,000

Price / Sq Ft$195

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,433

Total Structure Area3,330 sq ft

Year Built1983

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Community Information

Address2591 Eagle Bay Drive, Orange Park, FL 32073

Area137-Doctor's Lake

SubdivisionNot Validd

CityOrange Park

CountyClay

StateFL

Zip Code32073

Parcel Number41-04-26-020283-008-00

Amenities

UtilitiesOther

Water SourceNone, Other

ParkingOther

ViewTrees/Woods, Other

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Other

AppliancesOther, None

HeatingNone

CoolingNone

# of Stories1

LevelsOne