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Active Under Contract

Active Under Contract·93 days on market

4149 Arbor Mill Circle

Orange Park, FL 32065

$375,000$184/sqftEst. $1,996/moMLS# 2140188

Beds

Baths

2,033

Sq Ft

2018

Built

Garage

Pool

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

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,906

Principal & Interest: $1,906

Est. Taxes & Insurance: $477

Estimated Total Monthly

$2,383

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,996

Property taxesest. at asking price, Clay County$575

HOAbilled annually$62

Estimated total, before insurance$2,633/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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.

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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Apr 15, 2026Listed$375,000

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

Features

Price$375,000

Price / Sq Ft$184

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,033

Acres0.13 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPlantation Oaks

MiddleOakleaf Jr High

HighOakleaf High School

Community Information

Address4149 Arbor Mill Circle, Orange Park, FL 32065

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionArbor Mill At Oakleaf Plantation

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size5,662.8 sq ft

Parcel Number06042500786980873

ZoningResidential

Amenities

AmenitiesPool, Playground

UtilitiesCable Connected, Electricity Available, Sewer Available, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric, Hot Water

CoolingCentral Air, Electric

FlooringLaminate

FireplaceYes

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup