Active·141 days on market
648 Yellow Oaks Lane
Orange Park, FL 32065
About this home
Orange Park
Better value than nearby new construction with resort-style Oakleaf amenities included. Move-in ready 2022 townhome with upgraded kitchen, screened porch, dual en-suite bedrooms, and low maintenance living near Oakleaf Town Center and SR-23. Located in the desirable Towering Oaks subdivision within Oakleaf Plantation. This beautifully maintained 2-bedroom, 2.5-bath townhome features an open-concept layout designed for comfortable living and easy entertaining. The spacious bright white kitchen offers updated granite countertops, a large undermount stainless steel sink, stylish backsplash, an oversized island with bar seating, all overlooking the open family room. The entire downstairs features durable tile flooring and includes a convenient half bath. Step outside to enjoy the covered rear patio with an upgraded screened-in porch and door, creating the perfect space to relax year-round. Upstairs, both generously sized bedrooms feature private en-suite bathrooms, One has a tub/shower
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: Shingle — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,673 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
Last sold: $244,000 in June 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $190,224 | $139,502 | — |
| 2024 | $184,989 | $134,989 | — |
| 2023 | $189,955 | $139,955 | — |
| 2022 | $20,000 | $20,000 | — |
2025 property taxes (current owner): $3,022/yr
Estimated taxes if purchased at asking price: ~$3,600/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.
History
Price & status history
- Aug 24, 2026Price change$197,000−$5,990
- May 7, 2026Listed$202,990
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HOMESMART
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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Krista Fracke
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