Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 41
Active

$192,0002 bd · 2.5 ba · 1,109 sq ft

Active·237 days on market

612 Yellow Oaks Lane

Orange Park, FL 32065

$192,000$173/sqftEst. $1,047/mo mortgageMLS# 2135380
↓ $5,000 below original list
2
Beds
2.5
Baths
1,109
Sq Ft
2022
Built
—
Garage
No
Pool
FEMA Zone XHOA $194/mo1,307 sqft lotTownhouse2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Orange Park

Welcome to this beautifully maintained townhome in Oakleaf, built in 2022 offering low-maintenance living. This 2-bedroom, 2.5-bath home feels like new and features an open floor plan, stainless steel appliances, a washer and dryer, and a covered patio. Each spacious bedroom includes its own private bathroom, while a convenient half bath downstairs is ideal for guests. Located in one of Oakleaf's most desirable communities, you'll enjoy easy access to SR-23, US-17, Orange Park Town Center, top-rated schools, medical facilities, shopping, dining, and scenic waterfront parks. Whether you're looking for your first home, downsizing, or investing, this move-in-ready townhome checks all the boxes.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$1,047
Property taxesest. at asking price, Clay County$294
HOAbilled monthly$194
Estimated total, before insurance$1,535/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,022/yr · $252/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

$192,000
$38,400
Loan Term
Monthly Payment
$1,047
Principal & Interest: $1,047
Property taxes (est.): $294
Insurance (est.): $128
Estimated Total Monthly
$1,469
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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: material not specified — year not disclosed (home built 2022)

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

Solar potential: ~1,664 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $250,000 in September 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$190,224$139,502—
2024$184,989$134,989—
2023$189,955$139,955—
2022$20,000$20,000—

2025 property taxes (current owner): $3,022/yr

Estimated taxes if purchased at asking price: ~$3,500/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

  • Aug 27, 2026Price change$192,000−$5,000
  • Aug 20, 2026Price change$197,000+$37,000
  • Mar 17, 2026Listed$160,000

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 $133/sq ft; this home is listed at $173/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3964 Village View Lane, Orange Park, FL 32065Listed by ERA ONETEAM REALTYJul 2026$160,000$1742/29181060.1
339 Sunstone Court, Orange Park, FL 32065Listed by MARK SPAIN REAL ESTATEJul 2026$185,000$1283/2.51,440120.1
359 Sunstone Court, Orange Park, FL 32065Listed by CHAD AND SANDY REAL ESTATE GROUPMar 2026$197,000$1372/2.51,4401540.1
710 Crystal Way, Orange Park, FL 32065Listed by JWB REALTY LLCDec 2025$190,000$1323/2.51,4402120.1
722 Crystal Way, Orange Park, FL 32065Listed by MARK SPAIN REAL ESTATEAug 2026$185,000$1282/2.51,44080.2
773 Crystal Way, Orange Park, FL 32065Listed by WEICHERT REALTORS THE COFFEY GROUPMar 2026$192,000$1332/2.51,4401730.2

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$192,000
Price / Sq Ft$173
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,109
Total Structure Area1,224 sq ft
Acres0.03 acres
Year Built2022
TypeResidential
Sub-TypeTownhouse
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryPlantation Oaks, reported on 9 other Towering Oaks listings
MiddleOakleaf Jr High, reported on 11 other Towering Oaks listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address612 Yellow Oaks Lane, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionTowering Oaks
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size1,306.8 sq ft
Parcel Number06042500786908032
ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGuest, On Street

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms
AppliancesDryer, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories2
LaundryElectric Dryer Hookup, Washer Hookup

Additional Information

Date ListedMarch 17, 2026
Days on Market237
HOA Fees$194.14 / Monthly
HOA FrequencyMonthly
Tax Amount$3,021.61
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines