32065 Property Tax Rate
Orange Park, Florida · Part of Clay County
Effective Tax Rate
0.97%
2.5% above state avgMedian Annual Tax
$2,712
$226/mo escrow
Estimate Your Tax
Annual Tax
$2,712
Monthly
$226
Eff. Rate
0.97%
Buyer decision brief
What ZIP 32065 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$226/mo
Based on median annual tax paid
State context
0.21 percentage points above the Florida average
Florida average: 0.76%
Data confidence
High confidenceThe Census margin of error is $272, about 10% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Clay County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 32065 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$272 tax MOE, 10% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Clay County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 32065
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $278,500, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.97%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Florida and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $226 per month before insurance, HOA dues, or special assessments.
Assessor verification
Clay County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 32065 Compares
Median Annual Property Tax
ZIP 32065
0.97%
Effective rate
Florida Avg
0.76%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Florida
Higher than 90% of ZIP codes in Florida(90th percentile, 928 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 32065
Property owners in ZIP code 32065 (Orange Park, Florida) pay a median of $2,712/year in property taxes on homes valued at $278,500. This translates to an effective tax rate of 0.97%, which is 27% above the Florida state average of 0.76%.
The monthly property tax burden for a median-valued home in 32065 is approximately $226, which factors into escrow payments on mortgages. This ZIP code is located within Clay County.
Compared to similar ZIP codes in Florida, 32065 has higher property taxes. ZIP codes with similar effective rates include 33982 (0.97%) and 33414 (0.97%).
In Orange Park, property taxes represent approximately 2.9% of the median household income of $92,842, providing context for the relative tax burden on homeowners in this area.
Florida's Save Our Homes Act caps annual increases on homestead properties at 3% or the Consumer Price Index (whichever is lower), but this protection resets to full market value when you purchase. Clay County provides a $25,000 homestead exemption plus an additional $25,000 exemption on non-school assessed value — file Form DR 501 with the Clay County Property Appraiser within 30 days of taking occupancy. Contact the Clay County Property Appraiser to verify your homestead designation was recorded and to request a formal assessment review if your opening value exceeds recent comparable sales.
Frequently Asked Questions
What is the property tax rate in ZIP code 32065?
How much are property taxes in Orange Park, FL (32065)?
How does ZIP 32065 compare to the Florida average?
What is the median home value in ZIP 32065?
What county is ZIP code 32065 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$272. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 32065 is part of Clay County, Florida. View the full county profile for broader context and more data.
View Clay County on TaxByCounty →Explore Orange Park, FL
View all 2 ZIP codes in Orange Park with property tax comparisons.
View Orange Park Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 32065
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
32073
Orange Park, FL
0.30 percentage points lower than ZIP 32065.
Rate
0.67%
Tax
$1,736
Quality
96
32656
Keystone Heights, FL
0.37 percentage points lower than ZIP 32065.
Rate
0.61%
Tax
$1,234
Quality
89
32068
Middleburg, FL
0.32 percentage points lower than ZIP 32065.
Rate
0.66%
Tax
$1,736
Quality
89
32043
Green Cove Springs, FL
0.24 percentage points lower than ZIP 32065.
Rate
0.73%
Tax
$2,146
Quality
89
32003
Fleming Island, FL
0.08 percentage points lower than ZIP 32065.
Rate
0.90%
Tax
$3,471
Quality
89
33109
Miami Beach, FL
0.47 percentage points lower than ZIP 32065.
Rate
0.50%
Tax
$10,001
Quality
82
33921
Boca Grande, FL
0.47 percentage points lower than ZIP 32065.
Rate
0.50%
Tax
$10,001
Quality
68
34102
Naples, FL
0.38 percentage points lower than ZIP 32065.
Rate
0.60%
Tax
$8,480
Quality
89
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.