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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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Sold

Sold·Closed Jun 1, 2026·45 days on market

890 Misty Oak Street

Orange Park, FL 32065

$350,000sold priceListed at $340,000 · 102.9% of asking$208/sqftMLS# 2129582
3
Beds
2
Baths
1,686
Sq Ft
2006
Built
2
Garage
No
Pool
HOA $7/mo10,019 sqft lotSingle Family Residence1 story

About this home

Orange Park

NEW ROOF WILL BE INSTALLED 03/26/2026 Welcome to this beautifully maintained flat traditional-style home in the Whitfield neighborhood at Oakleaf Plantation, situated on a large corner lot. This 3-bedroom, 2-full bathrooms with 1693sft. The residence offers space, style, and incredible amenities. Step inside to discover wood-look tile flooring in an elegant chevron pattern, creating a modern yet timeless feel throughout the main living areas. The beautiful kitchen is a standout, featuring classy subway tile backsplash, stainless steel appliances, and abundant counter and cabinet space, perfect for everyday living and entertaining. Retreat to the spacious primary suite with French door entry, a large walk-in closet, and a spa-like en-suite bath and separate glass-enclosed shower.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,939
Property taxesest. at asking price, Clay County$536
HOAbilled annually$7
Estimated total, before insurance$2,482/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,846/yr · $487/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

$350,000
$70,000
Loan Term
Monthly Payment
$1,939
Principal & Interest: $1,939
Property taxes (est.): $536
Insurance (est.): $233
Estimated Total Monthly
$2,708
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2006)

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

Solar potential: ~1,742 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$241,413$241,413—
2024$251,009$243,323—
2023$238,487$221,203—
2022$215,848$201,094—
2021$182,813$182,813—
2020$156,424$100,853—

2025 property taxes (current owner): $5,846/yr

Estimated taxes if purchased at asking price: ~$6,400/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.

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 $178/sq ft; this home is listed at $202/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4143 Grayfield Lane, Orange Park, FL 32065Listed by WATSON REALTY CORPSep 2026$315,000$1893/21,666560.8
518 Vonron Drive, Jacksonville, FL 32222Listed by UNITED REAL ESTATE GALLERYAug 2026$300,000$1692/21,777601
618 Briar View Drive, Orange Park, FL 32065Listed by WATSON REALTY CORPAug 2026$325,000$1753/21,852371.1
510 Meldrum Lane, Orange Park, FL 32065Listed by ALL REAL ESTATE OPTIONS INCSep 2026$323,000$1784/31,8182831.2
9639 Bembridge Mill Drive, Jacksonville, FL 32244Listed by WATSON REALTY CORPAug 2026$319,900$1993/21,60571.2
3243 Millpond Court, Orange Park, FL 32065Listed by HERRON REAL ESTATE LLCSep 2026$325,000$1664/21,955191.3

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

Price$340,000
Price / Sq Ft$202
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,686
Acres0.23 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StyleFlat, Traditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryPlantation Oaks
MiddleOakleaf Jr High

Community Information

Address890 Misty Oak Street, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionOakleaf Plantation
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size10,018.8 sq ft
Parcel Number06042500786901103
ZoningResidential

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Playground, Tennis Court(s)
Community FeaturesSidewalks, Street Lights
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Range, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySmoke Detector(s)
Spa FeaturesIn Ground, Community

Exterior

Exterior FeaturesFire Pit
Lot DescriptionCorner Lot, Few Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchPatio, Porch
FencingBack Yard, Vinyl
RoofShingle
ConstructionFrame, Stucco
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 11, 2026
Days on Market45
HOA Fees$85 / Annually
HOA FrequencyAnnually
Tax Amount$5,845.85
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 1, 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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