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Active

Active·46 days on market

2199 Astor Street 302

Orange Park, FL 32073

$495,000$230/sqftEst. $2,643/moMLS# 2159526
3
Beds
3.5
Baths
2,150
Sq Ft
1973
Built
—
Garage
No
Pool
FEMA Zone AEHOA $1294/mo871 sqft lotWaterfrontCondominium1 story

About this home

Orange Park

NEW ROOF & BULKHEAD! Enjoy effortless riverfront living in one of the largest residences at The Continental Palace. The entire building has also been recently sealed, caulked, and painted, offering added peace of mind. This spacious residence features 3 generously sized bedrooms, each with its own private full bathroom and walk-in closet--an ideal layout for both everyday living and hosting guests. An in-unit laundry room and convenient garbage service make for an easy, low-maintenance lifestyle. Freshly painted throughout the main living areas, the condo also features an enclosed sunroom where you can relax, entertain, and take in the beautiful, serene views of the St. Johns River. With its peaceful waterfront setting, generous living space, and convenient location, this home offers a wonderful opportunity to enjoy the best of riverfront living. Residents also have the option to access Club Continental amenities for an additional fee, including swimming pools, a fitness cente

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$2,643
Property taxesest. at asking price, Clay County$759
HOAbilled monthly$1,294
Estimated total, before insurance$4,695/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,392/yr · $699/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

$495,000
$99,000
Loan Term
Monthly Payment
$2,643
Principal & Interest: $2,643
Property taxes (est.): $759
Insurance (est.): $330
Estimated Total Monthly
$3,731
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Tile — year not disclosed (home built 1973)

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

Sewer · FL0023922 · Public water · Clay County Utilities

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: ~1,635 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

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

YearMarket valueTaxable valueChange
2025$561,554$453,537—
2024$556,281$440,048—
2023$478,016$425,775—
2022$461,918$411,918—
2021$461,389$422,426—
2020$440,226$384,024—

2025 property taxes (current owner): $8,392/yr

Estimated taxes if purchased at asking price: ~$9,100/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 (2025), NEFMLS.

History

Price & status history

  • Aug 10, 2026Listed$495,000

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

Features

Price$495,000
Price / Sq Ft$230
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,150
Acres0.02 acres
Year Built1973
TypeResidential
Sub-TypeCondominium
StyleSpanish
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontYes

Community Information

Address2199 Astor Street 302, Orange Park, FL 32073
Area137-Doctor's Lake
SubdivisionContinental Palace
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size871.2 sq ft
Parcel Number41042601888301400

Amenities

AmenitiesElevator(s), Maintenance Grounds, Maintenance Structure, Management - Full Time, Storage
UtilitiesCable Available, Electricity Connected, Water Connected
Water SourcePublic
ParkingAssigned, Covered, Guest
ViewRiver
Waterfront TypeRiver Front

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Guest Suite, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingElectric
CoolingCentral Air
FlooringTile, Wood
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

RoofTile
ConstructionStucco

Additional Information

Date ListedAugust 11, 2026
Days on Market4
HOA Fees$1,293.78 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInsurance, Maintenance Grounds, Pest Control, Sewer, Trash
Tax Amount$8,392.31
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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