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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·5 days on market

559 William Ellery Street

Orange Park, FL 32073

$315,000$179/sqftEst. $1,745/moMLS# 2167996
3
Beds
2
Baths
1,759
Sq Ft
1984
Built
2
Garage
Yes
Pool
FEMA Zone XNo HOA9,148 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) 709-7917 Text Krista

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

About this home

Orange Park

Welcome to this beautiful pool home offering the ultimate blend of comfort, style, and freedom at an affordable price with NO HOA. Inside, you will find an inviting traditional floorplan featuring vaulted ceilings and a cozy fireplace. The kitchen boasts granite countertops and easy access to an indoor laundry room, making it perfect for both daily living and entertaining. Retreat to the primary suite complete with a private bath and walk in closet. Step outside to your private oasis, featuring a stunning pool and a fully fenced backyard and shed for extra storage—offering unlimited potential for outdoor living, relaxation, and storing your recreational vehicles without restrictive rules. Conveniently located just minutes from parks, dining, shopping and major highways for easy commuting. This property combines prime amenities with the total independence of non-HOA living. Schedule your private tour 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 · 7.4% · 30yr$1,745
Property taxesest. at asking price, Clay County$483
Estimated total, before insurance$2,228/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,657/yr · $138/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

$315,000
$63,000
Loan Term
Monthly Payment
$1,745
Principal & Interest: $1,745
Property taxes (est.): $483
Insurance (est.): $210
Estimated Total Monthly
$2,438
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 1984)

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: ~1,645 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 October 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): $1,657/yr

Estimated taxes if purchased at asking price: ~$5,800/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

  • Oct 6, 2026Listed$315,000

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 $168/sq ft; this home is listed at $179/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
553 Thomas Stone Court, Orange Park, FL 32073Listed by TPR REAL ESTATE GROUP INCSep 2026$281,000$1643/21,714750.2
526 Samuel Huntington Street, Orange Park, FL 32073Listed by THE STANLEY REALTY GROUP LLCAug 2026$275,000$1473/21,877250.2
706 Roger Sherman Street, Orange Park, FL 32073Listed by ENTERA REALTY LLCAug 2026$262,000$1953/21,3441220.3
562 James Wilson Circle, Orange Park, FL 32073Listed by ENTERA REALTY LLCSep 2026$259,990$2013/21,2951010.4
778 Ennis Drive, Orange Park, FL 32073Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$345,000$1534/32,25250.4
2187 Constitution Drive, Orange Park, FL 32073Listed by KELLAR REALTY AND PROPERTY MANAGEMENT INCAug 2026$316,500$1684/21,885360.4

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

Price$315,000
Price / Sq Ft$179
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,759
Acres0.21 acres
Year Built1984
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

School Information

ElementaryW. E. Cherry
MiddleOrange Park

Community Information

Address559 William Ellery Street, Orange Park, FL 32073
Area134-South Blanding
SubdivisionHeritage Hills
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size9,147.6 sq ft
Parcel Number13042502030431785

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Secured

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Exterior

Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch, Screened
FencingBack Yard, Privacy
ConstructionBrick
Other StructuresShed(s)

Additional Information

Date ListedOctober 6, 2026
Days on Market5
Tax Amount$1,656.65
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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