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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

$1,150,0003 bd · 3 ba · 2,946 sq ft

Active·4 days on market

2746 W Holly Point Road W

Orange Park, FL 32073

$1,150,000$390/sqftEst. $6,270/mo mortgageMLS# 2169671
Open house Sat, Nov 14 · 10:00 am–12:00 pm
3
Beds
3
Baths
2,946
Sq Ft
1954
Built
—
Garage
No
Pool
FEMA Zone XNo HOA0.85 acresWaterfrontSingle Family Residence1 story

See it this week

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

Enjoy waterfront living on Doctors Lake with a private dock & boat lift equipped with electricity & water. Situated on an expansive 100' x 370' lot on W Holly Point Dr in Orange Park, this single-story home offers 3 bedrooms, 3 baths, & 2,946 square feet of living space, conveniently located off Roosevelt Blvd. Built in 1954, the home blends character with thoughtful updates, including newer windows & hardwood floors. The spacious living room features a vaulted ceiling & French doors opening to a 544-square-foot deck overlooking the backyard & lake—an inviting setting for entertaining or relaxing by the water. The kitchen offers an oversized granite countertop with room for bar seating, a 6-burner Thermador gas range, and custom cabinetry with soft-close features and pull-out drawers. The primary bathroom includes a large walk-in shower & double vanities. A generously sized guest bedroom enjoys beautiful water views, direct backyard access, & 3 spacious reach-in closets. Circle drive.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$6,270
Property taxesest. at asking price, Clay County$1,762
Estimated total, before insurance$8,032/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

$1,150,000
$230,000
Loan Term
Monthly Payment
$6,270
Principal & Interest: $6,270
Property taxes (est.): $1,762
Insurance (est.): $767
Estimated Total Monthly
$8,799
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1954)

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

Sewer · FL0023922 · Public water (record)

County records show this parcel on central sewer served by FL0023922 — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,393 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

As of November 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.

History

Price & status history

  • Nov 6, 2026Active$1,150,000
  • Oct 15, 2026Listed$1,150,000

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 $182/sq ft; this home is listed at $390/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2406 Elbow Road, Orange Park, FL 32073Listed by EXP REALTY LLCSep 2026$349,900$1434/32,439120.4
2328 Holly Lane, Orange Park, FL 32073Listed by LATITUDE 30 REALTY LLCOct 2026$700,000$2673/32,624180.6
2286 Laurel Grove Lane W, Orange Park, FL 32073Listed by HOME SOLD REALTY LLCOct 2026$485,000$1825/32,66360.6
2320 Holly Leaf Lane, Orange Park, FL 32073Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEJul 2026$500,000$1824/32,742240.7
970 Sandpiper Lane, Orange Park, FL 32073Listed by DISCOVER REALTY INCJun 2026$460,000$1734/32,653620.8
2321 Egremont Drive, Orange Park, FL 32073Listed by EXIT MAGNOLIA POINT REALTYOct 2026$590,000$1945/3.53,042581

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$1,150,000
Price / Sq Ft$390
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,946
Acres0.85 acres
Year Built1954
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ElementaryMontclair, reported on 5 other Holly Point listings
MiddleLakeside, reported on 6 other Holly Point listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address2746 W Holly Point Road W, Orange Park, FL 32073
Area137-Doctor's Lake
SubdivisionHolly Point
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size36,982.44 sq ft
Lot Dimensions100 x 370
Parcel Number41042601921800000
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingCircular Driveway
ViewRiver, Water

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s)
AppliancesDishwasher, Disposal, Gas Range, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesBoat Lift, Boat Slip, Dock
Lot DescriptionMany Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchPorch, Rear Porch
RoofShingle
ConstructionBrick, Wood Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedNovember 6, 2026
Days on Market4
Listing TermsCash, Conventional
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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

11/14/2026

10:00 am - 12:00 pm