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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$435,0004 bd · 3 ba · 2,034 sq ft

Active·94 days on market

2171 Holly Leaf Lane

Orange Park, FL 32073

$435,000$214/sqftEst. $2,372/mo mortgageMLS# 2159226
↓ $10,000 below original list
4
Beds
3
Baths
2,034
Sq Ft
1963
Built
2
Garage
No
Pool
FEMA Zone XNo HOA13,504 sqft lotSingle Family Residence2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Orange Park

Offering up to $5000 in concessions for point buy down with acceptable offer. Welcome to 2171 Holly Leaf Lane, a beautifully updated 4-bedroom, 3-bath home nestled on a charming tree-lined street in Orange Park. A welcoming covered porch leads into a spacious interior featuring a large living room with backyard views and a functional kitchen and dining area. The primary suite offers a comfortable retreat, while three additional bedrooms provide flexibility for guests, an office, or hobbies. Outside, the backyard is ready for entertaining, gardening, pets, or play and includes a detached garage/workshop perfect for additional storage, projects, or extra workspace. A 2-car garage adds even more convenience. Ideally located near boat ramps, downtown Orange Park, Fleming Island, and US-17 for an easy Jacksonville commute. Updated, spacious, and full of possibilities, this one is ready to welcome you home!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,372
Property taxesest. at asking price, Clay County$667
Estimated total, before insurance$3,038/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,535/yr · $128/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

$435,000
$87,000
Loan Term
Monthly Payment
$2,372
Principal & Interest: $2,372
Property taxes (est.): $667
Insurance (est.): $290
Estimated Total Monthly
$3,328
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

Hurricane evacuation zone D

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

Roof: Shingle — year not disclosed (home built 1963)

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

Sewer · FL0023922 · Public water (record)

County records show this parcel on central sewer served by FL0023922 — no septic system to inspect or maintain.

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

Solar potential: ~1,502 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,535/yr

Estimated taxes if purchased at asking price: ~$8,000/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

  • Nov 4, 2026Price change$435,000−$4,999
  • Sep 24, 2026Price change$439,999−$5,001
  • Aug 8, 2026Listed$445,000

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 $214/sq ft; this home is listed at $214/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1832 Plainfield Avenue, Orange Park, FL 32073Listed by TRUDEALS REALTY CORPSep 2026$415,000$2393/21,734540.4
1829 Plainfield Avenue, Orange Park, FL 32073Listed by FRONT PORCH REALTYSep 2026$345,000$1903/21,812360.4
746 Winfred Place, Orange Park, FL 32073Listed by ASSIST 2 SELL BUYERS & SELLERS PREMIER REALTYOct 2026$406,000$1704/22,386470.6
2406 Elbow Road, Orange Park, FL 32073Listed by EXP REALTY LLCSep 2026$349,900$1434/32,439120.6
2541 Elbow Road, Orange Park, FL 32073Listed by WATSON REALTY CORPAug 2026$346,225$2143/21,621490.7
2328 Holly Lane, Orange Park, FL 32073Listed by LATITUDE 30 REALTY LLCOct 2026$700,000$2673/32,624180.8

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$435,000
Price / Sq Ft$214
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,034
Acres0.31 acres
Year Built1963
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2171 Holly Leaf Lane, Orange Park, FL 32073
Area137-Doctor's Lake
SubdivisionHolly Grove
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size13,503.6 sq ft
Parcel Number41042601944600000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Off Street

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsMulti/Split
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Patio
FencingFenced, Back Yard
RoofShingle
Other StructuresWorkshop
Road FrontageCity Street

Additional Information

Date ListedAugust 8, 2026
Days on Market94
Tax Amount$1,535.06
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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.

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