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Active

Active·116 days on market

4220 Plantation Oaks Boulevard 1319

Orange Park, FL 32065

$195,000$123/sqftEst. $994/moMLS# 2138628

Beds

Baths

1,584

Sq Ft

2011

Built

—

Garage

Pool

About this home

Orange Park

Welcome home to this inviting two-story townhome located in the highly sought-after Coventry community within Oakleaf Plantation. Offering approximately 1,584 sq ft of comfortable living space, this 3-bedroom, 2.5-bathroom home is perfect for families or anyone seeking low-maintenance living with resort-style amenities. Step inside to discover durable, easy-care luxury vinyl planking and tile flooring throughout--no carpet anywhere! The main level features an dining room and a open layout with a spacious living room and a chef-friendly kitchen boasting a large island, stainless steel appliances, and plenty of counter space for meal prep and entertaining. A convenient half bathroom and laundry room complete the first floor. Unwind on the screened-in back porch, ideal for morning coffee or evening relaxation. Upstairs, the private master suite offers a luxurious en-suite bathroom with a garden tub and walk-in shower. Two additional bedrooms share a full bathroom, providing flexible space

Cost to own

Mortgage calculator

Home Price

$195,000

Down Payment: 20%

$39,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$994

Principal & Interest: $994

Property taxes (est.): $299

Insurance (est.): $130

Estimated Total Monthly

$1,423

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$994

Property taxesest. at asking price, Clay County$299

HOAbilled monthly$462

Estimated total, before insurance$1,755/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,737/yr · $228/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$204,781	$80,930	—
2024	$199,978	$77,942	—
2023	$196,739	$74,216	—
2022	$175,394	$70,599	—
2021	$121,950	$67,087	—
2020	$115,914	$65,471	—

2025 property taxes (current owner): $2,737/yr

Estimated taxes if purchased at asking price: ~$3,600/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 2011)

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

Solar potential: ~1,750 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