Active·58 days on market
428 Neptune Road
Orange Park, FL 32073
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Orange Park
Welcome to this well-maintained 3-bedroom, 2-bath brick home in the heart of Orange Park. The open floor plan creates a comfortable and functional living space with laminate flooring throughout the whole home. The home features a one-car garage and a large, fully fenced backyard with plenty of room for pets, entertaining, gardening, or enjoying the outdoors. Conveniently located near shopping, dining, schools, and major roadways, this home offers a great combination of comfort, space, and location. A great opportunity for a first-time buyer, investor, or anyone looking for a home with a spacious backyard in a convenient Orange Park location.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 1974)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,411 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 homeAs 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $228,998 | $168,276 | — |
| 2024 | $225,560 | $165,560 | — |
| 2023 | $220,769 | $160,769 | — |
| 2022 | $188,200 | $188,200 | — |
| 2021 | $144,116 | $131,726 | — |
| 2020 | $132,412 | $119,751 | — |
2025 property taxes (current owner): $3,086/yr
Estimated taxes if purchased at asking price: ~$4,100/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 30, 2026Price change$225,000−$5,000
- Aug 13, 2026Listed$230,000
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 $183/sq ft; this home is listed at $225/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 434 Blairmore Boulevard W, Orange Park, FL 32073Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $175,000 | $183 | 3/1.5 | 954 | 36 | 0.3 |
| 201 Canis Drive W, Orange Park, FL 32073Listed by RIVER CITY RENTALS AND REALTY | Sep 2026 | $136,000 | $141 | 3/1.5 | 963 | 9 | 0.4 |
| 184 Lyra Street, Orange Park, FL 32073Listed by MAXREV, LLC | May 2026 | $215,000 | $249 | 3/1.5 | 864 | 63 | 0.6 |
| 310 Capella Road, Orange Park, FL 32073Listed by HERRON REAL ESTATE LLC | Jun 2025 | $268,900 | $218 | 4/2 | 1,236 | 25 | 0.6 |
| 1968 Acorn Run W, Orange Park, FL 32073Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $120,000 | $102 | 2/2 | 1,178 | 2 | 0.8 |
| 232 Aquarius Concourse, Orange Park, FL 32073Listed by INTEGRITY KEY REALTY LLC | Jul 2026 | $226,000 | $177 | 3/2 | 1,274 | 12 | 0.8 |
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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: GAILEY ENTERPRISES LLC
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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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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