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Active

Active·38 days on market

698 Cherry Grove Road

Orange Park, FL 32073

$659,687$177/sqftEst. $3,493/moMLS# 2160282
Open house Sat, Sep 26 · 12:00 pm–2:00 pm
6
Beds
4.5
Baths
3,725
Sq Ft
1995
Built
3
Garage
No
Pool
FEMA Zone AEHOA $155/mo15,682 sqft lotSingle Family Residence2 stories

About this home

Orange Park

Nestled along the fairways of Orange Park Country Club, this exceptional 6-bedroom, 4.5-bath residence offers the perfect combination of space, comfort, and versatility. Designed with today's lifestyle in mind, this expansive home provides endless possibilities for a growing family, multigenerational living, a dedicated home office, or hosting family and friends.From the moment you step inside, you'll appreciate the soaring ceilings, abundant natural light, and thoughtfully designed floor plan offering both functionality and flexibility. The spacious kitchen provides ample room for meal preparation and gathering, while seamlessly connecting to multiple living and dining areas that make everyday living and entertaining effortless.The generously sized primary suite offers a comfortable retreat with two large walk-in closets and plenty of space to create a private haven. Additional bedrooms and flexible living areas throughout the home provide room for everyone, whether used as guest

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$3,493
Property taxesest. at asking price, Clay County$1,011
HOAbilled annually$155
Estimated total, before insurance$4,660/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,396/yr · $450/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

$659,687
$131,937
Loan Term
Monthly Payment
$3,493
Principal & Interest: $3,493
Property taxes (est.): $1,011
Insurance (est.): $440
Estimated Total Monthly
$4,944
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 D

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

Roof: Shingle — year not disclosed (home built 1995)

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: ~1,701 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

2025 property taxes (current owner): $5,396/yr

Estimated taxes if purchased at asking price: ~$12,100/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, NEFMLS.

History

Price & status history

  • Aug 14, 2026Listed$659,687

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

Features

Price$659,687
Price / Sq Ft$177
Bedrooms6
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage3,725
Acres0.36 acres
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

Community Information

Address698 Cherry Grove Road, Orange Park, FL 32073
Area131-Meadowbrook/Loch Rane
SubdivisionOrange Park Cc
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size15,681.6 sq ft
Parcel Number42042500881425155

Amenities

AmenitiesPool, Management - Full Time, Tennis Court(s)
UtilitiesElectricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Jack and Jill Bath, Pantry, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Gas Water Heater, Induction Cooktop, Microwave, Refrigerator
HeatingCentral, Zoned
CoolingCentral Air, Zoned
FlooringLaminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
SecurityGated with Guard

Exterior

Lot DescriptionOn Golf Course
Patio / PorchDeck, Rear Porch, Screened
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedAugust 14, 2026
Days on Market39
HOA Fees$1,864.88 / Annually
HOA FrequencyAnnually
HOA Fee IncludesSecurity
Tax Amount$5,396.37
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC · saraisellsrealestate@gmail.com

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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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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