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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·Listed today

429 Wilton Court

Orange Park, FL 32065

$485,000$161/sqftEst. $2,589/moMLS# 2165604
5
Beds
3.5
Baths
3,017
Sq Ft
2012
Built
3
Garage
No
Pool
FEMA Zone XHOA $48/moSingle Family Residence2 stories

About this home

Orange Park

Welcome to this exceptional home situated on a quiet cul-de-sac, offering luxury, space, and functionality! Enjoy an oversized driveway with parking for up to 7 vehicles, plus an oversized 3-car garage with marble-look epoxy flooring. The living room boasts soaring 20-foot ceilings, an impressive stone entertainment wall, fireplace, and recessed lighting. Hardwood flooring runs throughout. The spacious kitchen features a large island and stainless steel appliances. An in-law suite with a private entrance and full bath offers flexible living options. Upstairs, a large open den provides additional living space. Fully remodeled bathrooms showcase Taj Mahal quartz countertops and large-format tile. The large, pavered rear yard features an adjustable pergola enclosure, perfect for outdoor entertaining and relaxation. Low HOA fees and no CDD fees! Listing agent is the owner.

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$2,589
Property taxesest. at asking price, Clay County$743
HOAbilled annually$48
Estimated total, before insurance$3,380/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

$485,000
$97,000
Loan Term
Monthly Payment
$2,589
Principal & Interest: $2,589
Property taxes (est.): $743
Insurance (est.): $323
Estimated Total Monthly
$3,656
*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 2012)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,743 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 26, 2026Active$485,000
  • Sep 19, 2026Listed$485,000

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

Features

Price$485,000
Price / Sq Ft$161
Bedrooms5
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,017
Year Built2012
TypeResidential
Sub-TypeSingle Family Residence
StyleA-Frame, Traditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

Community Information

Address429 Wilton Court, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionOakleaf Plantation
CityOrange Park
CountyClay
StateFL
Zip Code32065
Parcel Number01042400552401265
ZoningResidential

Amenities

AmenitiesPool
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPrivate Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingHeat Pump, Zoned
CoolingCentral Air, Multi Units
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup

Exterior

Exterior FeaturesImpact Windows
Lot DescriptionCul-De-Sac
Patio / PorchCovered, Screened
FencingVinyl
RoofShingle
ConstructionComposition Siding, Stone Veneer
Other StructuresShed(s)
Road SurfaceConcrete

Additional Information

Date ListedSeptember 26, 2026
Days on Market0
HOA Fees$576 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX REALTY UNLIMITED

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

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20+ years · 500+ closings · NE Florida

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