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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$669,9004 bd · 3 ba · 3,036 sq ft

Active·65 days on market

1890 Salt Myrtle Lane

Orange Park, FL 32003

$669,900$221/sqftEst. $3,652/mo mortgageMLS# 2163219
↓ $25,100 below original list
4
Beds
3
Baths
3,036
Sq Ft
1989
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $200/mo0.52 acresWaterfrontSingle Family Residence1 story

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Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Orange Park

Beautiful Pace Island Pool Home on a Half-Acre with No CDD Fees! Welcome home to this stunning 4-bedroom, 3-bath residence located in the highly desirable gated community of Pace Island. Situated on an expansive half-acre lot, this move-in-ready home offers the perfect blend of comfortable family living and exceptional entertaining space. The beautifully appointed kitchen is designed to impress, featuring an industrial-style refrigerator, two Sub-Zero chillers, and a wine chiller--ideal for hosting family and friends. Brand new hot water heater (2026). Step outside to your private backyard retreat, where a screened porch overlooks a beautifully renovated pool featuring updated marcite, pool pump, and filter. The spacious backyard also includes a fire pit and swing, all complemented by peaceful water views. With numerous upgrades throughout, this exceptional property is ready for its next owners to move in and enjoy!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$3,652
Property taxesest. at asking price, Clay County$1,027
HOAbilled monthly$200
Estimated total, before insurance$4,879/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$669,900
$133,980
Loan Term
Monthly Payment
$3,652
Principal & Interest: $3,652
Property taxes (est.): $1,027
Insurance (est.): $447
Estimated Total Monthly
$5,125
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

Hurricane evacuation zone A

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

Roof: Shingle — year not disclosed (home built 1989)

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: ~1,664 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 September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Oct 14, 2026Price change$669,900−$25,100
  • Sep 28, 2026Active Under Contract$695,000
  • Sep 3, 2026Listed$695,000

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 $214/sq ft; this home is listed at $221/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1028 Creighton Road, Fleming Island, FL 32003Listed by DREES REALTYAug 2026$599,990$2324/32,5894130.9
2091 Water Crest Drive, Fleming Island, FL 32003Listed by MAXREV, LLCSep 2026$510,000$2284/22,23571.1
1735 Walton Lake Court, Fleming Island, FL 32003Listed by RE/MAX SPECIALISTS PVOct 2026$545,000$2024/3.52,694651.2
2250 Keaton Chase Drive, Fleming Island, FL 32003Listed by WATSON REALTY CORPAug 2026$545,000$1994/32,7451191.2
1730 Walton Lake Court, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCAug 2026$575,000$1895/3.53,047641.2
1833 Bluebonnet Way, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$485,000$2144/32,267121.3

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

Price$669,900
Price / Sq Ft$221
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage3,036
Acres0.52 acres
Year Built1989
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ElementaryPaterson, reported on 39 other Pace Island listings
MiddleGreen Cove Springs, reported on 38 other Pace Island listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address1890 Salt Myrtle Lane, Orange Park, FL 32003
Area122-Fleming Island-NW
SubdivisionPace Island
CityOrange Park
CountyClay
StateFL
Zip Code32003
Lot Size22,738.32 sq ft
Parcel Number28042601315300365

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Gated, Pickleball, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
AppliancesConvection Oven, Dishwasher, Electric Range, Refrigerator, Wine Cooler
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecurityGated with Guard

Exterior

Patio / PorchCovered, Patio, Screened
RoofShingle
ConstructionBrick
Road SurfacePaved

Additional Information

Date ListedSeptember 3, 2026
Days on Market65
HOA Fees$200 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DJ & LINDSEY REAL ESTATE

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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