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Active

Active·42 days on market

3442 Red Oak Circle E

Orange Park, FL 32073

$328,000$228/sqftEst. $1,672/moMLS# 2113726

Beds

Baths

1,436

Sq Ft

1973

Built

Garage

Yes

Pool

About this home

Orange Park

Live in the City - Enjoy the River! This move-in ready 3/2 home with an in-ground pool, is in an established Orange Park neighborhood close to everything you need! Minutes from schools, restaurants, and beautiful Doctor's Lake. Only 15 minutes from the Lakeshore Boat Ramp and Whitey's Fish Camp, and just 4 miles from the Thrasher-Horne Center. Conveniently situated between local hospitals, this home offers both comfort and convenience. Inside, you'll find new flooring, kitchen cabinets, countertops, and sliding glass doors that open to a spacious 280 sq. ft. screened porch overlooking the 16'x30' in-ground pool—perfect for relaxing or entertaining. The large living room is big enough to create both a living and sitting area and features a cozy fireplace. The primary suite includes an ensuite bath and two closets, while the second and third bedrooms share a full bath and offer generous closet space. The home is vacant and waiting for your personal touches to make it your own.

Cost to own

Mortgage calculator

Home Price

$328,000

Down Payment: 20%

$65,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,672

Principal & Interest: $1,672

Property taxes (est.): $503

Insurance (est.): $219

Estimated Total Monthly

$2,394

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$1,672

Property taxesest. at asking price, Clay County$503

Estimated total, before insurance$2,175/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$240,797	$69,694	—
2024	$239,087	$67,023	—
2023	$230,745	$63,615	—
2022	$192,988	$60,306	—
2021	$159,494	$57,094	—
2020	$149,017	$55,616	—

Estimated taxes if purchased at asking price: ~$6,000/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.

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 1973)

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

Sewer (public record) · Public water · Clay County Utilities

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

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

Solar potential: ~1,698 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.

Ask about this home

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 at this property’s coordinates. 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.

History