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Active

Active·Listed today

2970 Piedmont Manor Drive

Orange Park, FL 32065

$399,900$167/sqftEst. $2,062/moMLS# 2159009

Beds

Baths

2,401

Sq Ft

2003

Built

Garage

Pool

About this home

Orange Park

Beautiful Waterfront Home in Highly Desirable Oakleaf Plantation! This Spacious 4 Bedroom, 2 Bathroom, 2,401 Sq Ft Single-Story Home Offers a Fantastic Floor Plan, Peaceful Water Views and Numerous Recent Improvements. The Open Interior Features Soaring Ceilings, Architectural Arches, a Formal Dining Room and a Large Great Room Overlooking the Backyard. The Spacious Kitchen Offers 42'' Cabinetry, Plenty of Counter Space, a Breakfast Bar and an Open Connection to the Main Living Area. The Generously Sized Primary Suite Includes a Walk-In Closet and Private Bath with Dual Vanities, Garden Tub and Separate Shower. Three Additional Bedrooms Provide Plenty of Space for Family, Guests, Home Office or Flex Space. Additional Mini-Split HVAC Systems Have Been Added to the Primary Bedroom, Large Secondary Bedroom and Garage for Enhanced Comfort and Individual Temperature Control. Major Improvements Include a New Roof and Main HVAC System in 2020, Water Heater in 2021, Electrical Circuit Updates

Cost to own

Mortgage calculator

Home Price

$399,900

Down Payment: 20%

$79,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,062

Principal & Interest: $2,062

Property taxes (est.): $613

Insurance (est.): $267

Estimated Total Monthly

$2,942

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,062

Property taxesest. at asking price, Clay County$613

HOAbilled annually$7

Estimated total, before insurance$2,682/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,061/yr · $338/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): $4,061/yr

Estimated taxes if purchased at asking price: ~$7,400/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2003)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,715 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

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

Aug 6, 2026Listed$399,900

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

Features

Price$399,900

Price / Sq Ft$167

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,401

Total Structure Area3,155 sq ft

Acres0.17 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address2970 Piedmont Manor Drive, Orange Park, FL 32065

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionOakleaf Plantation

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size7,405.2 sq ft

Parcel Number04042500786702092

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Management - Part Time, Management- On Site, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave

HeatingCentral, Electric

CoolingCentral Air, Electric, Multi Units, Split System, Wall/Window Unit(s)

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)