Sold·Closed Jul 23, 2026·104 days on market
4149 Arbor Mill Circle
Orange Park, FL 32065
About this home
Orange Park
Move-in ready 4-bedroom, 3-bath home in Arbor Mill in Orange Park built in 2018 with upgrades already completed for the next owner. Offering over 2,000 sq ft, this home features an open-concept layout, smart home features, solar panels, water softener, and a finished 2-car garage with dedicated AC for flexible bonus space beyond parking. The split-bedroom floor plan provides comfortable everyday living with flexibility for guests, working from home, or additional living space needs. The kitchen, dining, and living areas flow together for easy entertaining and daily use. Enjoy a fully fenced backyard with covered lanai, gazebo, and firepit already in place, creating a private outdoor space ready for relaxing evenings or gatherings. Conveniently located near shopping, dining, and major roadways in Clay County, this well-maintained home offers the benefit of newer construction without waiting to complete upgrades after closing. Easy to show and available now.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,740 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $321,885 | $220,235 | — |
| 2024 | $334,432 | $213,321 | — |
| 2023 | $327,355 | $205,652 | — |
| 2022 | $310,116 | $198,206 | — |
| 2021 | $245,909 | $190,977 | — |
| 2020 | $237,650 | $187,650 | — |
2025 property taxes (current owner): $3,878/yr
Estimated taxes if purchased at asking price: ~$6,900/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
- Jul 23, 2026Closed$375,000
- Apr 15, 2026Listed$375,000
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 $169/sq ft; this home is listed at $184/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3859 Arbor Mill Circle, Orange Park, FL 32065Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $475,000 | $188 | 4/3 | 2,532 | 16 | 0.4 |
| 518 Vonron Drive, Jacksonville, FL 32222Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $300,000 | $169 | 2/2 | 1,777 | 60 | 0.7 |
| 4143 Grayfield Lane, Orange Park, FL 32065Listed by WATSON REALTY CORP | Sep 2026 | $315,000 | $189 | 3/2 | 1,666 | 56 | 0.8 |
| 574 Glendale Lane, Orange Park, FL 32065Listed by SOVEREIGN REAL ESTATE GROUP | Sep 2026 | $360,000 | $159 | 4/2.5 | 2,260 | 90 | 0.9 |
| 8250 Cape Fox Drive, Jacksonville, FL 32222Listed by OPENDOOR BROKERAGE, LLC. | Sep 2026 | $345,000 | $159 | 3/2.5 | 2,165 | 86 | 1.1 |
| 10076 Kit Fox Parkway, Jacksonville, FL 32222Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Aug 2026 | $270,000 | $161 | 3/2 | 1,677 | 68 | 1.2 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 23, 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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