Sold·Closed Sep 3, 2026·103 days on market
540 Willow Oak Lane
Orange Park, FL 32073
About this home
Orange Park
Ideal for a military family with close proximity to NAS Jacksonville, this beautifully maintained end-unit townhome in Wells Landing offers comfort, convenience, and flexibility. Featuring 1,667 square feet, the home includes 3 bedrooms, 2 baths, dual primary suite options, skylights, fresh interior paint, and custom closets throughout. Situated on a spacious 6,823 sq ft lot with beautiful landscaping, this owner-occupied home has been meticulously cared for over the past 16 years. The kitchen features Samsung appliances less than five years old, plus a new LG washer. Additional upgrades include a Trane A/C system, water softener, and Waveform 180 antenna for high-speed internet. Conveniently located near shopping, dining, and major commuter routes, this move-in-ready Orange Park home is a must-see.
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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0023922 · Public water (record)
County records show this parcel on central sewer served by FL0023922 — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,455 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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 | $261,355 | $91,930 | — |
| 2024 | $246,854 | $88,632 | — |
| 2023 | $243,675 | $84,595 | — |
| 2022 | $194,292 | $80,675 | — |
| 2021 | $150,910 | $76,869 | — |
| 2020 | $145,505 | $75,118 | — |
2025 property taxes (current owner): $1,926/yr
Estimated taxes if purchased at asking price: ~$4,900/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
- Sep 3, 2026Closed$285,000
- Aug 6, 2026Active Under Contract$285,000
- Jul 27, 2026Price change$285,000−$5,000
- Jul 15, 2026Price change$290,000−$4,999
- Apr 25, 2026Listed$294,999
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 $117/sq ft; this home is listed at $171/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 964 Gano Avenue, Orange Park, FL 32073Listed by HERRON REAL ESTATE LLC | Oct 2026 | $270,000 | $171 | 3/2 | 1,582 | 3 | 1 |
| 1800 Park Avenue 232, Orange Park, FL 32073Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $140,000 | $102 | 3/2 | 1,369 | 49 | 1.1 |
| 5260 Collins Road 106, Jacksonville, FL 32244Listed by SHOE REALTY INC | Jul 2026 | $169,500 | $98 | 4/2.5 | 1,729 | 45 | 1.1 |
| 1215 The Grove Road, Orange Park, FL 32073Listed by WATSON REALTY CORP | Sep 2026 | $168,000 | $128 | 3/2 | 1,308 | 10 | 1.2 |
| 1259 The Grove Road, Orange Park, FL 32073Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $156,000 | $117 | 3/2 | 1,333 | 10 | 1.2 |
| 1265 The Grove Road, Orange Park, FL 32073Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $120,000 | $97 | 2/2.5 | 1,233 | 223 | 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 3, 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.
Northeast Florida living
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