Taxes & Insurance in Orange Park
Clay County property taxes and insurance costs run meaningfully below the coastal markets in this set -- but figuring out an exact combined millage for an Orange Park parcel takes stacking several separate rates (county, town, school, special district), and this research pass could not locate one clean, pre-combined "Orange Park total" figure, so components are presented separately rather than summed into a possibly-wrong total.
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Learn moreClay County Millage
Clay County's 2025 total certified millage runs approximately 15.05 mills for a typical unincorporated parcel, of which roughly 6.27 mills funds schools, with the remainder covering county, city, and special-district services, per Ownwell and Momentum Realty analysis of Clay County Property Appraiser (ccpao.com) data. Effective tax rates (tax paid as a percentage of assessed value) typically run about 0.98%-1.5%, varying by exactly which taxing districts apply to a given parcel. Separately, the county-specific portion is set to rise slightly in 2026 to help fund the voter-approved Clay County Land Conservation Referendum (passed 2024), expected to generate about $4 million in 2026.
Town of Orange Park's Own Municipal Millage
Because Orange Park is an incorporated town, it levies its own municipal millage on top of the county and school portions -- the Town Council voted 5-0 to set a proposed millage of 5.7000 mills for calendar year 2025, per Clay Today reporting on the town's September 2025 budget hearing. This is a genuine gap worth naming: the county's ~15.05-mill "typical unincorporated parcel" figure above is not the same basket as an incorporated Orange Park parcel, which substitutes the town's own 5.7000-mill levy for the county's general-fund portion while still paying the school and any applicable special-district millage. A single, pre-combined "total Orange Park millage" wasn't available from one source this pass -- budget for property taxes using the Clay County Tax Collector's parcel-level estimator rather than a single dataset-wide number.
Homeowners Insurance
Clay County's average homeowners insurance premium was $2,492 per year according to the Florida Office of Insurance Regulation's January 2025 report, with other estimates putting the typical range at $2,000-$3,000 annually -- a meaningfully lower and more moderate cost than St. Johns County's coastal-adjacent Ponte Vedra Beach or, especially, South Florida.
Flood Risk and Flood Insurance
Orange Park sits on the low-lying western bank of the St. Johns River, and several of its neighborhoods fall within FEMA Special Flood Hazard Areas (Zones A/AE), which carry roughly a 26% chance of flooding over the life of a 30-year mortgage, per Clay County Planning and Zoning's flood-and-FEMA guidance. Areas along Doctors Lake and the Black Creek system face storm-surge exposure during hurricanes, and the region's high water table adds pressure on foundations independent of storm events -- worth a flood-zone check on any specific address before purchase.
Key takeaways
- Clay County's 2025 typical total millage runs about 15.05 mills for unincorporated parcels (roughly 6.27 mills of that is school funding); effective tax rates run about 0.98%-1.5% of assessed value.
- Orange Park, as an incorporated town, adds its own municipal millage (5.7000 mills proposed for CY2025) on top of county and school portions -- this dataset could not locate one clean combined total, so budget using the Clay County Tax Collector's parcel estimator rather than a single flat figure.
- Clay County homeowners insurance averages about $2,492/year (FL OIR, January 2025) -- notably lower than St. Johns County's coastal-adjacent rates.
- Flood risk is real and location-specific: FEMA-designated high-risk zones run along the St. Johns River corridor and Doctors Lake, with roughly a 26% chance of flooding over a 30-year mortgage in those zones.
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