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

4690 Plantation Oaks Boulevard

Orange Park, FL 32065

$420,000$139/sqftEst. $2,166/moMLS# 2147481

Beds

Baths

3,030

Sq Ft

2016

Built

Garage

Pool

About this home

Orange Park

Welcome home to this spacious 4-bedroom, 3.5-bath beauty offering 3,030 sq ft of open-concept living designed for comfort and entertaining! From the moment you step inside, you'll love the expansive layout featuring a stunning kitchen with a huge granite island, abundant cabinetry, and an oversized walk-in pantry -- perfect for hosting family gatherings and entertaining guests with ease. The open floor plan flows seamlessly into the main living areas, creating the ideal space for everyday living and special occasions alike. Step outside to enjoy the screened-in patio overlooking the fully vinyl fenced backyard, offering privacy and plenty of room to relax, play, or entertain outdoors. Located in Forest Hammock at OakLeaf Plantation, residents enjoy access to both the neighborhood's private amenities and OakLeaf Plantation's resort-style amenities, including pools, fitness centers, tennis courts, playgrounds, and athletic facilities -- all with NO CDD fees.

Cost to own

Mortgage calculator

Home Price

$420,000

Down Payment: 20%

$84,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,166

Principal & Interest: $2,166

Property taxes (est.): $644

Insurance (est.): $280

Estimated Total Monthly

$3,090

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.69% · 30yr$2,166

Property taxesest. at asking price, Clay County$644

HOAbilled annually$30

Estimated total, before insurance$2,839/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,522/yr · $377/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

Year	Market value	Taxable value	Change
2025	$434,233	$275,449	—
2024	$433,182	$266,979	—
2023	$432,298	$257,747	—
2022	$404,061	$248,784	—
2021	$318,146	$237,870	—
2020	$295,412	$233,896	—

2024 property taxes (current owner): $4,522/yr

Estimated taxes if purchased at asking price: ~$7,700/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 2016)

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

Solar potential: ~1,736 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.

History