Active·28 days on market
2300 Twelve Oaks Drive A5
Orange Park, FL 32065
About this home
Orange Park
Discover a hidden gem in Orange Park-Twelve Oaks Condos. This affordable end unit features two ground-floor patios (one opens from living room, one opens from dining room) with additional wooden decks off each bedroom upstairs. The tiled kitchen includes an eat-in area, and the living room is freshly painted with new carpet, perfect for relaxing or gathering with friends.A main-floor laundry includes a long stretch of storage space tucked under the staircase! The staircase and bedrooms upstairs are also newly carpeted with fresh paint for you. The spacious primary bedroom has a large closet with two double doors, a ceiling fan & light fixture, and access to your own private deck. The second bedroom also has its own private deck, ceiling fan & light and access to the Jack & Jill bath. Home is clean, freshly painted, nicely maintained and ready for you! Condo dues include pool, exterior maintenance & water and sewer!
Cost to own
Mortgage calculator
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, 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 | $120,891 | $94,438 | — |
| 2024 | $118,095 | $85,853 | — |
| 2023 | $111,041 | $78,049 | — |
| 2022 | $82,047 | $70,954 | — |
| 2021 | $64,504 | $64,504 | — |
| 2020 | $63,041 | $59,618 | — |
2025 property taxes (current owner): $1,606/yr
Estimated taxes if purchased at asking price: ~$2,500/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 1983)
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: ~1,719 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Jun 16, 2026Listed$135,000
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: WEICHERT REALTORS THE COFFEY GROUP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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