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Active

Active·30 days on market

2495 Aquarius Road

Orange Park, FL 32073

$435,000$186/sqftEst. $2,322/moMLS# 2161616
5
Beds
3
Baths
2,345
Sq Ft
1972
Built
—
Garage
Yes
Pool
FEMA Zone XNo HOA13,504 sqft lotSingle Family Residence1 story

About this home

Orange Park

4.10% Assumable va,Spacious Brick Home with Pool includes a one year home warranty. Welcome home to this spacious 5-bedroom brick home perfectly situated on a desirable corner lot! With plenty of room inside and out, this home offers the space, comfort, and lifestyle you've been looking for. On those warm summer days, step outside and enjoy the sparkling pool, or relax on the large screened porch overlooking the giant backyard. There's plenty of room for entertaining, playing, gardening, or simply enjoying your own private outdoor space. The location is ideal for an active lifestyle, with a great area for walking and biking. You'll also appreciate the convenient access to major highways, hospitals, shopping, dining, and more, making everyday living a breeze.PLUS a decorating allowance toward new paint and flooring, giving you the opportunity to personalize the home and make it truly your own. And there's even more value for the new owner!

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$2,322
Property taxesest. at asking price, Clay County$667
Estimated total, before insurance$2,989/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,976/yr · $415/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
$2,322
Principal & Interest: $2,322
Property taxes (est.): $667
Insurance (est.): $290
Estimated Total Monthly
$3,279
*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 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 1972)

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: ~1,749 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): $4,976/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

  • Aug 27, 2026Active$435,000
  • Aug 24, 2026Listed$435,000

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

Features

Price$435,000
Price / Sq Ft$186
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,345
Acres0.31 acres
Year Built1972
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address2495 Aquarius Road, Orange Park, FL 32073
Area135-Park West/Montclair
SubdivisionFoxbay
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size13,503.6 sq ft
Parcel Number41042601302800000

Amenities

UtilitiesCable Connected, Electricity Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking

Interior

Interior FeaturesBuilt-in Features, Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Shower No Tub, Primary Downstairs
AppliancesConvection Oven, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories1

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchDeck, Porch, Screened
FencingFenced, Back Yard, Wood
RoofShingle
ConstructionBrick
Other StructuresShed(s)
Road SurfaceAsphalt

Additional Information

Date ListedAugust 27, 2026
Days on Market24
Tax Amount$4,976.47
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS PV

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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