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Active

Active·47 days on market

3750 Silver Bluff Boulevard 2108

Orange Park, FL 32065

$219,999$125/sqftEst. $1,118/moMLS# 2148632

Beds

Baths

1,760

Sq Ft

2005

Built

Garage

Pool

About this home

Orange Park

Welcome to 3750 Silver Bluff Boulevard #2108, a beautifully maintained end-unit condominium offering the perfect blend of comfort, convenience, and low-maintenance living in the heart of Oakleaf. Whether you're a first-time homebuyer, downsizing, or searching for an investment opportunity, this home delivers an exceptional lifestyle in one of Clay County's most sought-after communities. This home offers added privacy, fewer shared walls, and an abundance of natural light, creating a bright and inviting atmosphere throughout. The thoughtfully designed two-story floor plan features an open-concept living and dining area that's perfect for both everyday living and entertaining. A convenient powder room is located on the main level for guests, while all bedrooms are situated upstairs, providing privacy and separation from the main living spaces. The home also features ample storage and an attached one-car garage, offering both convenience and protection from the elements.

Cost to own

Mortgage calculator

Home Price

$219,999

Down Payment: 20%

$44,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,118

Principal & Interest: $1,118

Property taxes (est.): $337

Insurance (est.): $147

Estimated Total Monthly

$1,602

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,118

Property taxesest. at asking price, Clay County$337

HOAbilled monthly$300

Estimated total, before insurance$1,755/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$213,220	$210,142	—
2024	$211,291	$191,039	—
2023	$209,042	$173,672	—
2022	$179,088	$157,884	—
2021	$143,531	$143,531	—
2020	$135,387	$132,753	—

2025 property taxes (current owner): $4,563/yr

Estimated taxes if purchased at asking price: ~$4,000/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: Shingle — year not disclosed (home built 2005)

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

Solar potential: ~1,726 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