John Carpenter
$349,9004 bd3 ba2,439 sqft$143 /sqft$2,562 /mo all-in ↓

2406 ELBOW ROAD, ORANGE PARK, FL, 32073

Active2 days on marketListed Jul 25, 2026MLS #FC320205

Single Family ResidenceHOLLY POINT

Come see it

Upcoming open house

Tue, Jul 28

10:00 AM – 2:00 PM

About this home

2406 ELBOW ROAD

Opportunity awaits with this solid brick home situated on a spacious ¾-acre lot in one of Orange Park's most desirable locations. Featuring large, generously sized rooms, this home offers a wonderful layout with plenty of space to live, work, and entertain. Best of all, there are no HOA or CDD fees, giving you the freedom to enjoy your property without additional restrictions or assessments. This home is ready for a new owner to bring their vision to life. While it could benefit from some TLC and cosmetic updates, it presents an incredible opportunity to build equity and customize the home to your personal style. Conveniently located just minutes from restaurants, shopping, schools, hospitals, and major roadways, you'll enjoy the perfect balance of space, privacy, and everyday convenience. Whether you're a first-time homebuyer, an investor, or someone looking for a property with endless potential in a prime location. Bring your creativity and make this house your own! No sight-unseen offers will be accepted.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,439

Sqft

0.77 ac

Lot size

2

Garage

1973

Year built

Two

Levels

$143

Per sqft

FireplaceTrees/Woods view

Inside

FlooringCarpet · Linoleum
AppliancesDishwasher · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo
LaundryIn Garage
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBrick
FoundationSlab
ViewTrees/Woods
FacesEast
ExteriorPrivate Mailbox

Community & fees

Taxes (2025)$2,248/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,562 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property tax — 2025 actual bill$187
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,247Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,247
Interest rate6.00%
Loan term

Estimated payment

$2,562/mo

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property taxes (actual bill)$187
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs Orange Park actives

$143 vs $189

Days on market

2 vs 98 typical

Where $143/sqft sits among the 28 Orange Park actives

5 · this home
2
10
6
1
4
$143–160$160–176$176–192$192–208$208–224$224+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Orange Park

Map of 2406 ELBOW ROAD

Get to know Orange Park. See the full Orange Park guide →

ORANGE PARK 32073 — neighborhood snapshot

Population

42,825

Median age

42

Median income

$76,139

Median home value

$258,100

Avg household

2.55

Households w/ children

4,458

For the school run

Clay County School District

ElementaryGrove Park Elementary School★★★★
MiddleOrange Park Junior High School★★★★★
HighOrange Park High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Orange Park market

Seller’s marketSeller’s market2.8 months of inventoryBuyer’s market

$340K$409K

Orange Park median sold, yr/yr

98.9%

Sale-to-list ratio (12 mo)

7 of 28

Orange Park actives have cut their price

Median sold price, Orange Park, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 1% below the ORANGE PARK 32073 median. See the full Orange Park market guide →

Paper trail

This home's history

Jul 25, 2026Listed at $349,900 · 2 days on market since
1973Built · HOLLY POINT

Reality check

What actually sold near 2406 ELBOW ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3701 BELSTEAD WAYSold · Aug ’25

$414,990

3701 BELSTEAD WAY

4 bd · 3 ba · 2,488 sqft · $167/sqft · 0 DOM

14388 CREEKBLUFF WAYSold · Nov ’25

$389,990

14388 CREEKBLUFF WAY

3 bd · 2 ba · 2,246 sqft · $174/sqft · 21 DOM

722 HIDDENWOOD WAYSold · Dec ’25

$360,000

722 HIDDENWOOD WAY

4 bd · 2 ba · 2,086 sqft · $173/sqft · 0 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 2406 ELBOW ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2406 ELBOW ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2406 ELBOW ROAD FAQs

What would the monthly payment be for 2406 ELBOW ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,562/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 2406 ELBOW ROAD?+

The most recent tax bill on record (2025) was $2,248. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Orange Park?+

At $349,900, this home is listed about 1% below the Orange Park median of $351,750. The market section on this page shows how the area is trending.

Which schools are assigned to 2406 ELBOW ROAD?+

Grove Park Elementary School (elementary), Orange Park Junior High School (middle), Orange Park High School (high) — Clay County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of EXP REALTY LLC · Tracy Williams, LLC. MLS #FC320205.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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