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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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Pending

Pending·20 days on market

2915 Trenton Court

Orange Park, FL 32065

$225,000$169/sqftEst. $1,201/moMLS# 2164192
3
Beds
2
Baths
1,331
Sq Ft
1986
Built
2
Garage
No
Pool
FEMA Zone XNo HOA11,761 sqft lotSingle Family Residence1 story

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

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

About this home

Orange Park

Great Bones to this home in Bear Run in Orange Park near highly rated Ridgeview High School. This home offers a desirable split-bedroom floor plan, spacious family room with vaulted ceiling and fireplace, a beautiful upgraded kitchen w granite countertops that's ready for your next gathering plus a huge screened in porch and large backyard. The large yard includes access to the quiet road behind the property, providing added convenience for storing trailers, equipment, or recreational vehicles within your own yard. Priced to reflect the work needed and being sold AS IS - Build equity and make your vision become reality. Cash, conventional, or renovation/rehab financing only. Conveniently located with easy access to shopping, hospitals, schools, major roadways and more. Great opportunity, great location, and plenty of potential--come see it today VA or FHA rehab loans would also be accepted.

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$1,201
Property taxesest. at asking price, Clay County$345
Estimated total, before insurance$1,546/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,402/yr · $283/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

$225,000
$45,000
Loan Term
Monthly Payment
$1,201
Principal & Interest: $1,201
Property taxes (est.): $345
Insurance (est.): $150
Estimated Total Monthly
$1,696
*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: material not specified — year not disclosed (home built 1986)

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: ~1,620 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): $3,402/yr

Estimated taxes if purchased at asking price: ~$4,100/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 30, 2026Pending$225,000
  • Sep 25, 2026Active Under Contract$225,000
  • Sep 11, 2026Active$225,000
  • Sep 1, 2026Listed$225,000

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

Features

Price$225,000
Price / Sq Ft$169
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,331
Total Structure Area2,294 sq ft
Acres0.27 acres
Year Built1986
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionFixer
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2915 Trenton Court, Orange Park, FL 32065
Area134-South Blanding
SubdivisionBear Run
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size11,761.2 sq ft
Lot Dimensions80x152
Parcel Number28042500796909296
ZoningResidential

Amenities

UtilitiesCable Available, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesElectric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Garage, Washer Hookup
Window FeaturesSkylight(s)

Exterior

FencingFenced
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedSeptember 11, 2026
Days on Market13
Tax Amount$3,401.69
Tax Year2025
Listing TermsCash, Conventional, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

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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