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Florida real estate · Clay County

Orange Park, Florida Real Estate

Homes, values and local insight for Orange Park, Clay County, Florida. Typical home value $311,000.

Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes

Ryan and Megan Winslow Broker Owners3,000+ homes soldSince 2009 REALTOR®4 states broker in FL, MA, CT, RIU.S. Army RetiredBest of Central MA winners
$311,000Typical home value
-0.9%Home values, past year
8,993Residents (2024)
$74,564Median household income
Homes for sale

Shop Orange Park homes

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About Orange Park

Orange Park is a distinctive Florida community that offers residents a blend of local character, quality amenities, and regional convenience.

The Orange Park real estate market serves a range of buyers including first-time homeowners, growing families, professionals, and retirees. Properties include single-family homes, condominiums, and townhouses across various price points and styles that reflect the area's architectural heritage and modern development.

Winslow Homes LLC and Ryan & Megan Winslow serve Orange Park buyers and sellers across Florida. Ryan and Megan Winslow provide both real estate brokerage and mortgage services as Mortgage Bankers with The Federal Savings Bank (Ryan Winslow NMLS #2426605 | Megan Winslow NMLS #2692933). Get pre-approved at www.winslowloan.com or call 386-690-5858.

Neighborhood Breakdown

Explore Orange Park Neighborhoods

🏘 Downtown Orange Park

Historic center with local shops, dining, and civic institutions.

🏠 North Orange Park

Residential area with established neighborhoods and good school access.

🏡 South Orange Park

Quiet residential streets with a mix of homes and convenient commuter access.

🏢 East Orange Park

Expanding area with newer construction and family-friendly amenities.

Specialty Housing

Unique Property Types in Orange Park

🌊 Lake and Pond Access

Properties with lake, pond, or reservoir access where available in Orange Park.

💧 Stream and River Properties

Homes near local waterways offering natural settings and scenic views.

Flood Zones & Insurance Impact

What Every Buyer Must Know

🔴 Zone AE (High Risk)

Some areas of Orange Park near waterways may fall in AE flood zones. Verify specific property with FEMA flood map.

🟡 Zone X-Shaded (Moderate Risk)

Moderate flood risk exists in select Orange Park areas near wetlands or drainage basins.

🟢 Zone X (Minimal Risk)

Most Orange Park properties are in Zone X (minimal flood risk). Flood insurance optional but may be recommended.

Insurance Tip: Florida homeowners insurance averages $3,500-$5,000 annually due to hurricane exposure. Flood insurance separate, often required near coast.

Investment & Rental Potential

Real Estate Investment in Orange Park

💰 Long-term Buy and Hold

Steady appreciation and rental demand make Orange Park suitable for long-term wealth building.

🏘 Rental Property Investment

Rental demand in Orange Park supports cash flow strategies for single-family and multifamily properties.

🔧 Fix and Hold

Older properties in Orange Park offer value-add opportunities through renovation and modernization.

⚠️ Investment Risks

Orange Park investment risks include regional market volatility, property tax changes, and insurance cost increases. Work with experienced agents to assess individual opportunities.

New Construction

Where New Homes Are Being Built

🏗 Outer Orange Park

New development zones on the outskirts of Orange Park offer modern construction and newer floor plans.

Buyer Tips for New Construction: Always hire your own inspector for new builds. Review CDD obligations carefully. Negotiate upgrades, not price. A buyer's agent costs you nothing with new construction and provides critical representation.

Commute Pockets

Drive Times & Work-From-Anywhere

🚌 Regional Employment Centers

Convenient access from Orange Park to nearby cities via major roads and highways.

🏙 Metropolitan Hub

Orange Park residents commute to regional metropolitan areas for employment and entertainment.

💻 Remote Work Lifestyle

Orange Park supports remote workers with reliable broadband access, quiet residential settings, and home office-friendly properties.

Taxes & Cost of Living

Your Dollar in Orange Park

🏦 Property Taxes

Florida has no state income tax. Property taxes average 0.98% of assessed value with homestead exemption up to $51,411 (2026).

💵 No State Income Tax

Florida has no state income tax. This represents savings of $5,000-$30,000+ annually compared to Northeast states like Massachusetts, Connecticut, and New York. Combined with homestead exemption savings, Florida offers significant cost advantages for homeowners.

🛒 Cost of Living

Cost of living in Orange Park aligns with regional Florida averages. Housing remains the largest expense category.

🏥 Insurance Costs

Homeowners insurance in Orange Park averages $2,500-$5,000 annually. Coverage varies by property age, value, and risk factors.

Lifestyle & Community

Living the Orange Park Life

🌳 Outdoor Recreation

Orange Park offers parks, trails, and outdoor recreation opportunities year-round.

🍽 Dining and Culture

Local restaurants, cafes, and cultural venues provide community gathering spaces in Orange Park.

🛒 Shopping and Services

Local retail, services, and major shopping areas accessible within and near Orange Park.

Jobs & Economy

Employment & Economic Drivers

🏥 Local Services

Retail, professional services, and hospitality anchor the Orange Park economy.

💼 Regional Employment

Residents also commute to regional employment centers for professional opportunities.

💼 Remote Work & Entrepreneurship

Remote work grows as a major economic factor in Orange Park, supported by quality broadband and home-office friendly properties.

Transportation & Commuting

Getting Around Orange Park

🛣 Major Roads

Orange Park connects to major highways and arterials providing access to regional destinations.

🚲 Biking & Walking

Orange Park offers walkable neighborhoods and bike-friendly areas in the town center and residential zones.

✈️ Airport Access

Orange Park residents access regional airports within reasonable driving distance for domestic and international travel.

New Development & Growth

What's Coming to Orange Park

🏗 Emerging Orange Park Zones

Expanding development areas bringing new construction to Orange Park.

📈 Market Outlook

The Orange Park market outlook remains positive with steady demand, moderate appreciation, and balanced inventory conditions expected through 2026.

Investment Insights

Real Estate Investment in Orange Park

💰 Entry Strategy

Pre-approve financing before searching. Work with Orange Park-focused agents.

📈 Holding Strategy

Long-term holds in Orange Park benefit from regional appreciation trends.

DISCUSS INVESTMENT STRATEGY

Common Buyer Mistakes

Avoid These Costly Errors

❌ Skipping Pre-Approval

Get pre-approved with Ryan & Megan Winslow, Mortgage Bankers with The Federal Savings Bank, before shopping.

❌ Ignoring Total Cost

Budget for taxes, insurance, HOA, and maintenance beyond the mortgage payment.

❌ Skipping a Local Agent

A local Orange Park agent knows which streets flood, which buildings have pending special assessments, and which neighborhoods are appreciating fastest. Buyer agent services are free to the buyer in most transactions.

Market data

Orange Park by the numbers

The typical home in Orange Park is worth $311,000, 7% below the Clay County typical value of $336,000 and 17% below the Florida typical value of $375,000.

Typical home value

$311,000

Zillow Home Value Index for Orange Park, August 2026. The middle of the market for single family homes and condos.

5 year change

+17.6%

Home values in Orange Park moved +17.6% over five years and +89.0% over ten.

Median rent

$1,355/mo

Median gross rent in Orange Park. Useful for investors running rental numbers.

Homeownership

57%

Share of occupied homes in Orange Park lived in by the owner.

Median year built

1975

Older homes often need inspection focus on roof, systems and windows.

Household income

$74,564

Median household income in Orange Park.

Mortgage planning for a home in Orange Park
Financing

Buying in Orange Park with the right loan

Ryan and Megan are mortgage bankers with The Federal Savings Bank, lending in all 50 states. You get the home and the loan from one team. On a typical Orange Park home of $311,000:

  • FHA, 3.5% down: $10,900 down, loan of $301,000
  • Conventional, 5% down: $15,572 down, loan of $296,000
  • Conventional, 20% down: $62,286 down, loan of $249,000
  • VA, 0% down for eligible veterans, loan of $311,000
Selling

What is your Orange Park home worth?

Ryan and Megan price Orange Park homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.

Home for sale in Orange Park
Nearby

Towns near Orange Park

Clay County

More in Clay County

See the full Clay County real estate guide or the Florida real estate guide.

FAQ

Common questions

What is the typical home value in Orange Park, FL?

The Zillow Home Value Index for Orange Park was $311,000 in August 2026, -0.9% over the past year.

What county is Orange Park in?

Orange Park is in Clay County, Florida.

How many people live in Orange Park?

About 8,993 people as of the 2024 Census Bureau estimate, compared with 9,094 in 2020.

Who are the best real estate agents in Orange Park?

Ryan and Megan Winslow of Winslow Homes have sold over 3,000 homes since 2009 and are licensed in Florida, Massachusetts, Connecticut and Rhode Island. Call or text 386-690-5858.

How do I get pre-approved to buy in Orange Park?

Apply at www.winslowloan.com. Ryan and Megan are mortgage bankers with The Federal Savings Bank and lend in all 50 states, including FHA, VA and conventional loans.

Do most people in Orange Park own or rent?

57% of occupied homes in Orange Park are owner occupied, based on the 2019 to 2023 American Community Survey.

Talk to Ryan and Megan

Ready to move in Orange Park?

17 years, over 3,000 homes sold, and one team for the home and the loan. Call or text 386-690-5858.

Sources: U.S. Census Bureau 2024 population estimates and 2019 to 2023 American Community Survey; Zillow Home Value Index, August 2026. Numbers update as new data is released. Talk to Ryan and Megan for current sold prices on your street.

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Coming soon in Orange Park, FL

Get coming-soon homes, pocket listings and price drops in Orange Park, FL before they hit the big home search sites.

Orange Park home values by ZIP code

The typical home in Orange Park is worth $325,988 as of August 2026, across 2 ZIP codes ranging from $299,167 in 32073 to $325,988 in 32065. Values moved -0.6% over the last 12 months at the middle ZIP code.

ZIPTypical value12 months5 yearsMedian sale, Mar to May 2026Days on market
32065$325,988-1.1%+16.6%
32073$299,167-0.6%+18.5%$300,00061

Sources: Zillow Home Value Index through August 2026 and the Redfin Data Center ZIP code tracker, March to May 2026. Ask Ryan and Megan for a value for your own home.