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Active

Active·191 days on market

3750 Silver Bluff Boulevard 902

Orange Park, FL 32065

$234,800$140/sqftEst. $1,193/moMLS# 2124610
3
Beds
2
Baths
1,681
Sq Ft
2005
Built
1
Garage
No
Pool

About this home

Orange Park

This is the right townhome for you. Home features vinyl flooring downstairs and upstairs. Downstairs features open kitchen, family and dining room combo, half bath, screened-in patio, & 1-car garage. Upstairs features 3 large bedrooms, two full baths, & laundry room. Kids and teens enjoy walking to school until high school. Enjoy a peaceful walk with the family and pet to the Village Amenity Center that includes Olympic pool, pool for children's splash area, fitness center, tennis court, baseball court, football field, basketball court, soccer field, playgrounds, walking, & biking trails. Home is rented on a month-to-month basis.

Cost to own

Mortgage calculator

$234,800
$46,960
Loan Term
Monthly Payment
$1,193
Principal & Interest: $1,193
Property taxes (est.): $360
Insurance (est.): $157
Estimated Total Monthly
$1,710
*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,193
Property taxesest. at asking price, Clay County$360
HOAbilled monthly$300
Estimated total, before insurance$1,853/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
  • • 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

YearMarket valueTaxable valueChange
2025$205,655$205,655
2024$203,799$203,799
2023$201,635$190,030
2022$172,755$172,755
2021$138,475$137,665
2020$130,621$125,150

2025 property taxes (current owner): $4,476/yr

Estimated taxes if purchased at asking price: ~$4,300/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 2005)

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

Solar potential: ~1,675 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

Price & status history

  • Jan 10, 2026Listed$234,800

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

Features

Price$234,800
Price / Sq Ft$140
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,681
Acres0.03 acres
Year Built2005
TypeResidential
Sub-TypeTownhouse
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo
Direction FacesEast

Community Information

Address3750 Silver Bluff Boulevard 902, 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 Number05042500786802366
ZoningPUD

Amenities

AmenitiesClubhouse, Fitness Center, Park, Playground, Tennis Court(s), Trash
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric, Hot Water
CoolingCentral Air, Electric
FlooringVinyl
# of Stories2
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchPorch, Rear Porch, Screened
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJanuary 11, 2026
Days on Market140
HOA Fees$300 / Monthly
HOA FrequencyMonthly
Tax Amount$4,475.65
Tax Year2025
Listing TermsCash, Conventional, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SOLSTICE REALTY, LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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