Sold·Closed Jul 31, 2026·119 days on market
3750 Silver Bluff Boulevard 605
Orange Park, FL 32065
About this home
Orange Park
This beautifully updated 3-bedroom plus a den, 2-bathroom townhouse is nestled in the desirable Cottages at Oakleaf Plantation. This unit is conveniently located within walking distance to the Phase 1 amenity complex. Step inside to enjoy a seamless layout with the garage and foyer on the first floor, leading to your main living areas on the second and is the largest sq footage in the Cottages. This home offers an open and airy living space, complete with soaring ceilings and an abundance of natural light. The eat-in kitchen provides granite countertops, stainless steel appliances, pantry, and an inviting counter seating area for casual dining or more formal eat-in dining area adjacent. Retreat to the spacious primary suite, boasting a walk-in closet and a ensuite bathroom with a separate toilet closet and shower/tub combo. The built-in work station provides an ideal family hub for productivity and organization. Clay County Schools and shopping at Target, Publix & lots of other stores.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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.
Solar potential: ~1,779 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 homeAs 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $222,592 | $29,360 | — |
| 2024 | $220,602 | $27,685 | — |
| 2023 | $215,691 | $25,277 | — |
| 2022 | $187,033 | $22,939 | — |
| 2021 | $149,894 | $20,669 | — |
| 2020 | $139,798 | $20,000 | — |
2025 property taxes (current owner): $1,948/yr
Estimated taxes if purchased at asking price: ~$4,100/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
- Jul 31, 2026Closed$230,000
- Jul 31, 2026Pending$230,000
- Jan 30, 2026Listed$230,000
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 $127/sq ft; this home is listed at $121/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3750 Silver Bluff Boulevard 2402, Orange Park, FL 32065Listed by SMILEEHOUSE AUCTION CO LLC | Aug 2026 | $204,000 | $121 | 3/2.5 | 1,681 | 41 | 0.1 |
| 3750 Silver Bluff Boulevard 305, Orange Park, FL 32065Listed by ERA ONETEAM REALTY | Aug 2026 | $180,000 | $94 | 3/2 | 1,908 | 7 | 0.1 |
| 3750 Silver Bluff Boulevard 2108, Orange Park, FL 32065Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Aug 2026 | $210,000 | $119 | 3/2.5 | 1,760 | 51 | 0.1 |
| 3750 Silver Bluff Boulevard 203, Orange Park, FL 32065Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $205,000 | $127 | 2/2 | 1,610 | 15 | 0.1 |
| 3408 Biltmore Way, Orange Park, FL 32065Listed by WATSON REALTY CORP | Jul 2026 | $190,000 | $131 | 2/2.5 | 1,445 | 137 | 0.5 |
| 802 Grover Lane, Orange Park, FL 32065Listed by ALL REAL ESTATE OPTIONS INC | Jul 2026 | $250,000 | $147 | 3/2.5 | 1,704 | 19 | 0.6 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SHOE REALTY INC
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 31, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →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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