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Active Under Contract

Active Under Contract·11 days on market

504 Sugar Grove Place

Orange Park, FL 32073

$499,000$180/sqftEst. $2,642/moMLS# 2164181
4
Beds
3
Baths
2,765
Sq Ft
1991
Built
2.5
Garage
No
Pool
FEMA Zone AHOA $156/mo12,632 sqft lotSingle Family Residence1 story

About this home

Orange Park

Spacious 4BR/3BA single-story brick home offering nearly 2,800 sq ft with a desirable split-bedroom floor plan and 2.5-car garage! The extra-large primary suite is a true retreat featuring a tray ceiling, room for a sitting area and direct access to the covered/screen patio. Primary bath includes a separate shower and walk-in jetted tub. The large kitchen offers abundant cabinet and counter space, a center cooking island, built-in desk/work area and eat-in dining area. Multiple living and dining spaces provide plenty of room for entertaining, while the split-bedroom layout offers added privacy. Additional features include an indoor laundry room with utility sink and cabinetry, generous storage and abundant natural light throughout. With spacious rooms, a functional one-level layout and solid brick construction, this home offers plenty of space to make your own. Furnishings may also be available for purchase separately. Seller Is also offering Flooring Allowance w/ approved contract.

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$2,642
Property taxesest. at asking price, Clay County$765
HOAbilled semi-annually$156
Estimated total, before insurance$3,563/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,664/yr · $305/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

$499,000
$99,800
Loan Term
Monthly Payment
$2,642
Principal & Interest: $2,642
Property taxes (est.): $765
Insurance (est.): $333
Estimated Total Monthly
$3,740
*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 A — 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 1991)

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: ~1,706 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,664/yr

Estimated taxes if purchased at asking price: ~$9,200/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

  • Sep 15, 2026Active Under Contract$499,000
  • Sep 9, 2026Listed$499,000

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

Features

Price$499,000
Price / Sq Ft$180
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,765
Acres0.29 acres
Year Built1991
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive Under Contract
# of Garages2.5
Has PoolNo
Is WaterfrontNo

School Information

MiddleOrange Park
HighOakleaf High School

Community Information

Address504 Sugar Grove Place, Orange Park, FL 32073
Area131-Meadowbrook/Loch Rane
SubdivisionOrange Park Cc
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size12,632.4 sq ft
Parcel Number42042500881425219
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Gated, Golf Course, Security
UtilitiesElectricity Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage, Garage Door Opener, On Street
ViewGolf Course

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryWasher Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionOn Golf Course
Patio / PorchCovered, Front Porch, Screened
RoofShingle
ConstructionBrick
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 10, 2026
Days on Market6
HOA Fees$934.93 / Semi-Annually
HOA FrequencySemi-Annually
HOA NameLifestyles Property Services
Tax Amount$3,664.1
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RIVER BIRCH REALTY LLC · LindaS@LindaSellsJax.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

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20+ years · 500+ closings · NE Florida

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