Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$225,000

3231 MERGANZER Trail, Orange Park, FL 32065, Orange Park, FL 32065

Waterview Ridge

Price
$225,000
Beds / Baths
3 / 1
Living area
953 sqft
Year built
1991
Type
Residential
Lot
0.15 ac
Garage
1
HOA
$8/mo
CDD
No
Flood zone
Unknown
County
Clay
Days on market
26
Elementary
Rideout
Middle
Lakeside
High school
Ridgeview

$236/sqft asking, vs a $172/sqft median across 704 closed sales in 32065 over the last 12 months — 37% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Nestled beneath mature shade trees in the desirable Waterview Ridge community, this well-maintained 3-bedroom, 1-bath home offers timeless charm and thoughtful updates. The main living areas and primary bedroom feature elegant marble tile flooring, while the secondary bedrooms offer durable ceramic tile. The kitchen is equipped with granite countertops, painted cabinetry, an undermount stainless steel sink, updated hardware, and stainless steel appliances. A dedicated interior laundry room adds everyday convenience. Step outside to your private backyard retreat featuring a spacious covered patio, winding brick walkways, lush tropical landscaping, mature shade trees, and multiple seating areas perfect for relaxing or entertaining. Complete with an attached one-car garage and conveniently located near shopping, dining, parks, and schools, this Orange Park gem is ready to welcome you home.

What to check on this one

  • Verify roof age and condition; 1991 home may need inspection or replacement soon.
  • Obtain flood zone determination for Orange Park location; request elevation certificate if needed.
  • Confirm HOA $8/mo covers what; review Waterview Ridge community docs and rules.
  • Get 4-point inspection quote; older home may face homeowner insurance underwriting scrutiny.
  • Inspect plumbing type (polybutylene lines common in 1991; costly if present).
  • Walk through all systems: HVAC age, water heater, electrical panel condition.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$1,167/mo
Property tax (1.1% eff., Clay Co.)$206/mo
Homeowners insurance (est.)$292/mo
HOA$8/mo
All-in monthly (est.)$1,673/mo

Loan $180,000 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of LPT REALTY LLC. Data via realMLS (Northeast Florida MLS), updated Aug 6, 2026, 12:49 PM.

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. Information is deemed reliable but not guaranteed.