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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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Active

Active·110 days on market

3650 Creswick Circle C

Orange Park, FL 32065

$249,900$153/sqftEst. $1,274/moMLS# 2140014
3
Beds
2
Baths
1,636
Sq Ft
2017
Built
1
Garage
No
Pool

About this home

Orange Park

OPEN HOUSE THIS SAT (11AM-1PM) Don't miss this second opportunity to own this beautifully maintained townhome in Oakleaf's gated Briar Oaks community. Built in 2017 and move-in ready, this upgraded home stands out with its modern finishes, peaceful pond view, and private covered patio with a retractable awning - perfect for relaxing or entertaining. Unlike many nearby townhomes, this home features luxury vinyl plank flooring downstairs, recessed lighting, updated fixtures, fresh exterior paint, epoxied garage floors, and thoughtful upgrades throughout. The kitchen offers 42'' cabinets, granite countertops, stainless steel appliances, and a tile backsplash. Upstairs you'll find spacious bedrooms with the laundry conveniently located near the primary suite. HVAC recently serviced. Enjoy low-maintenance living with HOA-covered exterior maintenance, lawn care, pest control, plus access to Oakleaf's resort-style amenities!

Cost to own

Mortgage calculator

$249,900
$49,980
Loan Term
Monthly Payment
$1,274
Principal & Interest: $1,274
Property taxes (est.): $383
Insurance (est.): $167
Estimated Total Monthly
$1,824
*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$1,274
Property taxesest. at asking price, Clay County$383
HOAbilled monthly$197
Estimated total, before insurance$1,854/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,590/yr · $299/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

YearMarket valueTaxable valueChange
2025$247,377$113,353
2024$241,206$109,451
2023$237,006$104,807
2022$212,674$100,299
2021$157,344$95,922
2020$143,908$93,908

2025 property taxes (current owner): $3,590/yr

Estimated taxes if purchased at asking price: ~$4,600/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: material not specified — year not disclosed (home built 2017)

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

Solar potential: ~1,751 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

  • Jul 7, 2026Price change$249,900$3,000
  • Jul 7, 2026Active$252,900
  • Apr 15, 2026Listed$252,900

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

Features

Price$249,900
Price / Sq Ft$153
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,636
Acres0.04 acres
Year Built2017
TypeResidential
Sub-TypeTownhouse
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontYes

School Information

ElementaryPlantation Oaks
MiddleOakleaf Jr High
HighOakleaf High School

Community Information

Address3650 Creswick Circle C, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionBriar Oaks Townhomes
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size1,742.4 sq ft
Parcel Number06042500786980346
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
# of Stories2
LevelsTwo
LaundryIn Unit, Upper Level
SecuritySecurity Gate

Exterior

Patio / PorchAwning(s), Front Porch, Patio
ConstructionStucco

Additional Information

Date ListedApril 15, 2026
Days on Market109
HOA Fees$197 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Pest Control
Tax Amount$3,589.94
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CASTILLO REAL ESTATE JAX

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

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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