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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

Active·21 days on market

1170 Bedrock Drive

Orange Park, FL 32065

$419,900$166/sqftEst. $2,242/moMLS# 2163455
↓ $10,000 below original list
5
Beds
3
Baths
2,523
Sq Ft
2006
Built
2
Garage
No
Pool
FEMA Zone XHOA $7/mo12,502 sqft lotSingle Family Residence2 stories

About this home

Orange Park

Welcome to this spacious 5-bedroom, 3-bathroom single-family home, offering plenty of room for comfortable living and entertaining. With five generously sized bedrooms and three full bathrooms, this home provides the flexibility to accommodate a growing family, guests, a home office, or additional living space. The thoughtfully designed layout creates a comfortable flow between living areas, while the ample bedroom and bathroom space provides both privacy and convenience. Whether you're hosting family and friends or enjoying a quiet evening at home, this property offers the space and versatility you've been looking for. Don't miss the opportunity to make this beautiful 5-bedroom, 3-bathroom home your own. Schedule your showing today!

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$2,242
Property taxesest. at asking price, Clay County$643
HOAbilled annually$7
Estimated total, before insurance$2,892/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

$419,900
$83,980
Loan Term
Monthly Payment
$2,242
Principal & Interest: $2,242
Property taxes (est.): $644
Insurance (est.): $280
Estimated Total Monthly
$3,165
*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 2006)

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: ~1,728 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 11, 2026Price change$419,900−$10,000
  • Sep 4, 2026Listed$429,900

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

Features

Price$419,900
Price / Sq Ft$166
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,523
Acres0.29 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryOakleaf Village
MiddleOakleaf Jr High
HighOakleaf High School

Community Information

Address1170 Bedrock Drive, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionOakleaf
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size12,501.72 sq ft
Parcel Number05-04-25-007868-017-37

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Playground, Tennis Court(s)
Community FeaturesSidewalks
UtilitiesElectricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
Green / EnergyThermostat
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchRear Porch
RoofShingle
ConstructionStucco

Additional Information

Date ListedSeptember 4, 2026
Days on Market9
HOA Fees$85 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Grounds
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.

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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