Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Pending

Pending·72 days on market

7031 Oakridge Loop

Glen St. Mary, FL 32040

$465,000$187/sqftEst. $2,391/moMLS# 2143760

Beds

Baths

2,489

Sq Ft

1998

Built

—

Garage

Pool

About this home

Glen St. Mary

Beautifully home on 1.88 acres. Enjoy peace of mind with a whole-house generator, newer appliances, and a new water softener. Inside, you'll find luxury durable vinyl plank flooring throughout, a spacious layout with a flex room and office at the entry, plus a large dining area and cozy breakfast nook. The kitchen showcases custom cabinets and stunning quartz countertops, both updated three years ago. The primary suite offers his and hers closets and sinks, while the home also includes a large laundry room for convenience. Outside, the property features a side yard with irrigation perfect for a garden or animals. This 3-bedroom, 2-bath home blends modern updates with functional living space--perfect for your next move! ***** Seller Offering $5000 closing credit that can be used toward paint. cosmetic improvements, or allowable closing cost.

Cost to own

Mortgage calculator

Home Price

$465,000

Down Payment: 20%

$93,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,391

Principal & Interest: $2,391

Insurance (est.): $310

Estimated Total Monthly

$2,701

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes vary by county; 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 · 6.66% · 30yr$2,391

Estimated total, before insurance$2,391/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,403/yr · $367/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

2025 property taxes (current owner): $4,403/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. Sources: Florida DOR certified tax roll, 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 1998)

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

Sewer records conflict — verify

The MLS lists “Private Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,438 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 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