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Active

Active·171 days on market

3750 Silver Bluff Boulevard 605

Orange Park, FL 32065

$230,000$121/sqftEst. $1,169/moMLS# 2127748

Beds

Baths

1,908

Sq Ft

2004

Built

Garage

Pool

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

Mortgage calculator

Home Price

$230,000

Down Payment: 20%

$46,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,169

Principal & Interest: $1,169

Property taxes (est.): $353

Insurance (est.): $153

Estimated Total Monthly

$1,675

*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$1,169

Property taxesest. at asking price, Clay County$352

HOAbilled monthly$300

Estimated total, before insurance$1,822/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

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: ~$4,200/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 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 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 30, 2026Listed$230,000

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

Features

Price$230,000

Price / Sq Ft$121

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,908

Total Structure Area2,263 sq ft

Acres0.03 acres

Year Built2004

TypeResidential

Sub-TypeCondominium

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryOakleaf Village

MiddleOakleaf Jr High

HighOakleaf High School

Community Information

Address3750 Silver Bluff Boulevard 605, 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 Number05042500786802345

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Pickleball, Playground, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit

SecuritySmoke Detector(s)