Active·24 days on market
3255 Dowitcher Lane
Orange Park, FL 32065
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Orange Park
$3k Closing Cost Concession with acceptable offer! This move-in ready Orange Park, FL home offers 4 bedrooms, 2 bathrooms and 1,818 square feet of thoughtfully designed living space with a split floorplan. The property is zoned for Clay County Schools and located minutes from NAS JAX, I-295, shopping and restaurants. The updated kitchen includes stainless steel appliances, granite counters and ample cabinets, and offers an open sight line to the living room. A bright dining area with a bay window sits just off the kitchen. The large bonus room was once a 2 car garage and works well as a home office, gym or game room. The space can be easily converted back to a garage. The fully fenced backyard features a large back patio, ideal for outdoor entertaining or simply relaxing outside. Major systems have been recently updated for lasting peace of mind. The home was re-piped in 2021, roof was replaced in 2017, HVAC system was installed in 2018 and the water heater was replaced in 2016.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 — 2017 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,762 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 homeAs 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $266,582 | $266,582 | — |
| 2024 | $263,052 | $263,052 | — |
| 2023 | $257,970 | $257,970 | — |
| 2022 | $217,646 | $191,205 | — |
| 2021 | $173,823 | $173,823 | — |
| 2020 | $174,528 | $99,979 | — |
2025 property taxes (current owner): $4,424/yr
Estimated taxes if purchased at asking price: ~$5,300/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 (2025), NEFMLS.
History
Price & status history
- Sep 17, 2026Listed$289,000
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 $162/sq ft; this home is listed at $159/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 253 Deerwood Circle E, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Jul 2026 | $300,000 | $162 | 4/3 | 1,854 | 3 | 0.7 |
| 1715 Saw Lake Drive, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $275,000 | $176 | 3/2 | 1,564 | 343 | 0.8 |
| 1821 Heartpine Drive, Middleburg, FL 32068Listed by MARK SPAIN REAL ESTATE | Sep 2026 | $298,000 | $151 | 4/2 | 1,977 | 134 | 0.9 |
| 3512 Alec Drive, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $227,000 | $175 | 3/2 | 1,300 | 137 | 1 |
| 2773 Winchester Avenue, Orange Park, FL 32065Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $195,000 | $146 | 3/2 | 1,338 | 27 | 1.1 |
| 1670 Anne Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $240,000 | $162 | 4/2 | 1,478 | 27 | 1.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD 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.
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Your Local Realtor
Krista Fracke
Broker Associate
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