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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$134,000

1188 GANO Avenue 118, Orange Park, FL 32073, Orange Park, FL 32073

The Oaks

Price
$134,000
Beds / Baths
2 / 3
Living area
1,015 sqft
Year built
1985
Type
Condo
Lot
0.02 ac
Garage
0
HOA
$393/mo
CDD
No
Flood zone
Unknown
County
Clay
Days on market
25

**OPEN HOUSE 8/15 SAT 12-2 **Seller is offering $5,000 towards buyers closing cost ** This beautifully maintained 2-bed, 2.5-bath townhome style condo offers the perfect blend of comfort, convenience, and move-in readiness. With over 1,000 sq. ft. of thoughtfully designed living space in a well-established community, this home is ideal whether you're first-time buyers, investors, or someone seeking low-maintenance living in Northeast Florida. Zillow Inside, you'll find an updated kitchen with modern finishes and all appliances included, plus a washer and dryer -- making this unit genuinely turn-key. The tiled entry and dining area flow into a cozy living room featuring a fireplace, creating a warm and welcoming gathering space. A convenient half bath downstairs is perfect for guests. Upstairs, enjoy two spacious bedrooms, each with their own attached full bathroom -- offering privacy and ease of daily living. The upper-level laundry area with washer/dryer adds additional convenience.

What to check on this one

  • Obtain full condo docs: bylaws, reserve study, latest financial statements, meeting minutes.
  • Verify roof age and condition; confirm insurance availability given 1985 build year.
  • Request 4-point inspection; determine wind-mitigation eligibility and cost to comply.
  • Confirm flood zone designation and obtain elevation certificate if in AE/VE.
  • Review HOA $393/mo budget: special assessments, reserve funding, rental restrictions.
  • Inspect plumbing type; if original, budget for polybutylene or cast-iron replacement risk.

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$695/mo
Property tax (1.1% eff., Clay Co.)$123/mo
Homeowners insurance (est.)$292/mo
HOA$393/mo
All-in monthly (est.)$1,503/mo

Loan $107,200 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 JPAR CITY AND BEACH. Data via realMLS (Northeast Florida MLS), updated Aug 20, 2026, 2:29 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.