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2766 Pebbleridge Court

Orange Park, FL 32065

$447,400$232/sqftEst. $2,307/moMLS# 2159239

Beds

Baths

1,930

Sq Ft

2026

Built

Garage

Pool

About this home

Orange Park

BRAND NEW CONSTRUCTION without CDD fees!! No expense spared!! This BRAND NEW HOME is now finished & ready for it's new Owner. Home had a fire & this original full brick home was built brand new from the slab to it's ALL NEW design & layout that makes sense to all buyers. Local Builder carefully planned out every inch into a well thought out updated designed home adding a separate library/flex/office space or physical media room, large interior laundry room off kitchen, huge game room & a massive living room. The oversized kitchen with expansive cabinets, quartz countertops & breakfast nook will NOT disappoint!! Added flex room could also be transformed into a 4th bedroom. Foxridge Civic Assn has a voluntary $55.00/year dues, tennis courts & park have easy access and great for summer time!!

Cost to own

Mortgage calculator

Home Price

$447,400

Down Payment: 20%

$89,480

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,307

Principal & Interest: $2,307

Property taxes (est.): $686

Insurance (est.): $298

Estimated Total Monthly

$3,291

*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$2,307

Property taxesest. at asking price, Clay County$686

Estimated total, before insurance$2,993/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$751/yr · $63/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

Year	Market value	Taxable value	Change
2024	$50,000	$50,000	—
2023	$50,000	$50,000	▼ $257,609
2022	$273,770	$238,656	—
2021	$218,324	$216,960	—
2020	$197,237	$197,237	—

2024 property taxes (current owner): $751/yr

Estimated taxes if purchased at asking price: ~$8,200/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 (2024), 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 2026)

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

Solar potential: ~1,600 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