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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$210,0003 bd · 2.5 ba · 1,681 sq ft

Active·33 days on market

3750 Silver Bluff Boulevard 807

Orange Park, FL 32065

$210,000$125/sqftEst. $1,145/mo mortgageMLS# 2112705
3
Beds
2.5
Baths
1,681
Sq Ft
2004
Built
1
Garage
No
Pool
FEMA Zone XHOA $300/mo1,307 sqft lotCondominium2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Orange Park

SAVE HUNDREDS PER MONTH by assuming the remaining VA loan for qualified buyers @ 6.24% (P&I = $1,467)! Priced in short sale territory, this home is VACANT & MOVE-IN READY! Spacious 3BR/2.5BA condo featuring a 2022 HVAC. Ideal layout for a starter home, military relocation, or turnkey investment. Prepare meals & entertain from your breakfast bar w/ stainless steel appliances. Primary suite includes a walk-in closet w/ ample storage inside & out! Step outside to a private yard, screened lanai, & your own attached garage. Enjoy top Clay County Schools & live the Oakleaf lifestyle w/ 2 resort-style amenity centers, pools, & parks. Prime location near dining, shopping, major roads, & military bases. Short sale approval in progress—schedule your showing today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$1,145
Property taxesest. at asking price, Clay County$322
HOAbilled monthly$300
Estimated total, before insurance$1,767/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,362/yr · $363/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$210,000
$42,000
Loan Term
Monthly Payment
$1,145
Principal & Interest: $1,145
Property taxes (est.): $322
Insurance (est.): $140
Estimated Total Monthly
$1,607
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2004)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,778 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $233,000 in March 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$203,124$203,124—
2024$201,320$201,320—
2023$196,849$165,610—
2022$170,729$150,555—
2021$136,869$136,869—
2020$127,661$127,661—

2024 property taxes (current owner): $4,362/yr

Estimated taxes if purchased at asking price: ~$3,900/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

History

Price & status history

  • Oct 7, 2026Active$210,000
  • Oct 7, 2026Withdrawn$210,000
  • Jul 22, 2026Active$210,000
  • Oct 9, 2025Listed$210,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $121/sq ft; this home is listed at $125/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3750 Silver Bluff Boulevard 305, Orange Park, FL 32065Listed by ERA ONETEAM REALTYAug 2026$180,000$943/21,90870.1
3750 Silver Bluff Boulevard 203, Orange Park, FL 32065Listed by DJ & LINDSEY REAL ESTATEAug 2026$205,000$1272/21,610150.1
3750 Silver Bluff Boulevard 605, Orange Park, FL 32065Listed by SHOE REALTY INCJul 2026$222,500$1173/21,9081190.1
3750 Silver Bluff Boulevard 2402, Orange Park, FL 32065Listed by SMILEEHOUSE AUCTION CO LLCAug 2026$204,000$1213/2.51,681410.2
3750 Silver Bluff Boulevard 2108, Orange Park, FL 32065Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEAug 2026$210,000$1193/2.51,760510.2
3408 Biltmore Way, Orange Park, FL 32065Listed by WATSON REALTY CORPJul 2026$190,000$1312/2.51,4451370.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$210,000
Price / Sq Ft$125
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,681
Total Structure Area2,133 sq ft
Acres0.03 acres
Year Built2004
TypeResidential
Sub-TypeCondominium
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryOakleaf Village
MiddleOakleaf Jr High

Community Information

Address3750 Silver Bluff Boulevard 807, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionThe Cottages At Oakleaf
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size1,306.8 sq ft
Parcel Number05042500786802363
ZoningCondominium

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Management - Full Time, Management - Off Site, Playground, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Assigned, Attached, Garage, Garage Door Opener, Guest

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Rented
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Laminate, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchFront Porch, Rear Porch, Screened
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 7, 2026
Days on Market33
HOA Fees$300 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds
Tax Amount$4,361.62
Tax Year2024
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS FIRST COAST REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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