Active·1 day on market
654 Holly Lakes Drive
Orange Park, FL 32073
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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
Welcome to this well-appointed townhome in the Holly Cove community of Orange Park. Featuring 3 bedrooms and 2.5 bathrooms, the home offers a functional two-story layout with an open-concept main living area, kitchen, and dining space. The upstairs provides comfortable bedrooms, including a primary suite with a private bathroom and walk-in closet. Additional features include an attached one-car garage and outdoor living space. Conveniently located near shopping, dining, parks, schools, and major roadways, this home offers an excellent opportunity for a homeowner or investor seeking a newer property in a growing Orange Park area.
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 — 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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2025)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,738 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
16th Ave Sabout 21 mi · 28 parking spaces
Closest park or preserve
Tillie K. Fowler Regional Parkabout 4 mi · 4 mi of trails
Closest public boat ramp
Wayne B Stevens Parkabout 5 mi · Ortega River
Closest kayak & paddleboard launch
Ringhaver Park Kayak Launch (Long Portage!)about 2 mi · Ortega River
Closest youth league fields
Argyle Forest Parkabout 2 mi · Baseball, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
Southwest-facing backyard — long light and winter sunsets
The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:30 AM, sunset 6:54 PM.
- The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
- Summer late-afternoons run hot, and shading the lanai’s west edge earns its keep.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $586/yr
Estimated taxes if purchased at asking price: ~$4,400/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 15, 2026Listed$239,900
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 $134/sq ft; this home is listed at $162/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5646 Pinebay Circle S, Jacksonville, FL 32244Listed by SUPREME PATH BROKERAGE LLC | Oct 2026 | $171,000 | $141 | 2/2 | 1,210 | 16 | 0.3 |
| 5605 Pinebay Circle N, Jacksonville, FL 32244Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Jun 2026 | $188,000 | $134 | 3/2 | 1,403 | 7 | 0.3 |
| 5427 Greatpine Court, Jacksonville, FL 32244Listed by INI REALTY | Aug 2026 | $180,000 | $127 | 3/2 | 1,422 | 21 | 0.4 |
| 85 Debarry Avenue 1024, Orange Park, FL 32073Listed by CENTURY 21 LIGHTHOUSE REALTY | Jul 2026 | $126,624 | $121 | 2/2.5 | 1,050 | 35 | 0.4 |
| 5541 Greatpine Lane N 4, Jacksonville, FL 32244Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Apr 2026 | $168,000 | $139 | 2/2 | 1,210 | 157 | 0.4 |
| 5260 Collins Road 106, Jacksonville, FL 32244Listed by SHOE REALTY INC | Jul 2026 | $169,500 | $98 | 4/2.5 | 1,729 | 45 | 0.7 |
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: MAINSTAY BROKERAGE LLC
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
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