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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Jul 17, 2026·51 days on market

3234 Dowitcher Lane

Orange Park, FL 32065

$264,900sold priceListed at $254,900 · 103.9% of asking$222/sqftMLS# 2145023
3
Beds
2
Baths
1,195
Sq Ft
1990
Built
2
Garage
No
Pool
FEMA Zone AEHOA $8/moSingle Family Residence1 story

About this home

Orange Park

Welcome home to this move-in ready, beautifully updated 3 bed, 2 bath home with a 2 car garage, located in the highly sought-after Oakleaf area of Orange Park. Nestled in a growing, family-friendly community, this home offers convenient access to Oakleaf Town Center, nearby parks, top-rated schools, and a variety of shopping and dining options. Inside, you'll find a spacious layout featuring a formal dining room and a cozy breakfast nook just off the kitchen. The kitchen comes complete with brand-new stainless steel appliances. Recent updates include fresh interior paint throughout, durable new vinyl flooring in the main living areas, and plush new carpet in all bedrooms. Step outside to enjoy the large, fully fenced backyard, perfect for entertaining, pets, or relaxing evenings at home. The bathrooms have also been thoughtfully updated with stylish modern fixtures, adding a fresh and contemporary touch throughout the home. Schedule your showing today! [Preferred Lender offering a...

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,467
Property taxesest. at asking price, Clay County$406
HOAbilled annually$8
Estimated total, before insurance$1,882/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$264,900
$52,980
Loan Term
Monthly Payment
$1,467
Principal & Interest: $1,467
Property taxes (est.): $406
Insurance (est.): $177
Estimated Total Monthly
$2,050
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1990)

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

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,513 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$198,635$186,941—
2024$196,312$169,947—
2023$192,879$154,498—
2022$161,533$140,453—
2021$127,685$127,685—
2020$118,665$118,665—

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

  • Jul 17, 2026Closed$254,900
  • May 27, 2026Listed$254,900

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 $187/sq ft; this home is listed at $213/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1571 Kingfisher Boulevard, Orange Park, FL 32065Listed by UNITED REAL ESTATE GALLERYJul 2026$249,000$2073/21,202550.2
2773 Winchester Avenue, Orange Park, FL 32065Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$195,000$1463/21,338271
2706 Tina Lane, Middleburg, FL 32068Listed by COLDWELL BANKER BEN BATES INCOct 2026$220,000$1874/21,174531.1
1670 Anne Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$240,000$1624/21,478271.1
3512 Alec Drive, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDESep 2026$227,000$1753/21,3001371.1
1259 Tahoe Ct Court, Orange Park, FL 32065Listed by VYLLA HOMEJul 2026$258,000$1983/21,305151.1

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

Price$254,900
Price / Sq Ft$213
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,195
Year Built1990
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address3234 Dowitcher Lane, Orange Park, FL 32065
Area138-Tanglewood
SubdivisionWaterview Ridge
CityOrange Park
CountyClay
StateFL
Zip Code32065
Parcel Number28042500805900411
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchPatio
FencingBack Yard
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 27, 2026
Days on Market51
HOA Fees$100 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: JWB REALTY 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 17, 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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