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Active·20 days on market

1890 Salt Myrtle Lane

Orange Park, FL 32003

$695,000$229/sqftEst. $3,680/moMLS# 2163219
4
Beds
3
Baths
3,036
Sq Ft
1989
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $200/mo0.52 acresWaterfrontSingle Family Residence1 story

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. 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 · 6.95% · 30yr$3,680
Property taxesest. at asking price, Clay County$1,065
HOAbilled monthly$200
Estimated total, before insurance$4,945/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

$695,000
$139,000
Loan Term
Monthly Payment
$3,680
Principal & Interest: $3,680
Property taxes (est.): $1,065
Insurance (est.): $463
Estimated Total Monthly
$5,209
*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 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 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.

History

Price & status history

  • Sep 3, 2026Listed$695,000

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

Features

Price$695,000
Price / Sq Ft$229
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

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 Market0
HOA Fees$200 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DJ & LINDSEY REAL ESTATE · billdavis@djandlindsey.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.

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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