Pending·90 days on market
3824 Arbor Mill Circle
Orange Park, FL 32065
About this home
Orange Park
MOTIVATED SELLER! Welcome to this beautifully maintained 3-bedroom, 2-bathroom home with a flex space and loft in the highly sought-after Arbor Mill community of Oakleaf Plantation! Built in 2018 this home shows like a new build! Before entering the home you'll notice the beautiful pavers driveway. Upon entry, you'll find a flexible front room ideal for a home office, study, playroom, or workout space. A separate loft space that's spacious and provides the perfect setting for a media room, game room, or second living area. The open-concept floor plan seamlessly connects the kitchen, dining, and living areas, creating an inviting atmosphere for everyday living and hosting guests. The kitchen features ample cabinetry, generous counter space, and overlooks the main living area, making it the heart of the home. While hosting step outside to one of the property's standout features--an extended paver patio overlooking a beautiful pond view. This area is perfect for relaxing and hosting!
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.
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: material not specified — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,745 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: $345,000 in January 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $285,492 | $0 | — |
| 2024 | $296,226 | $236,226 | — |
| 2023 | $290,049 | $263,907 | — |
| 2022 | $273,633 | $239,916 | — |
| 2021 | $218,106 | $218,106 | — |
| 2020 | $210,914 | $210,914 | — |
2025 property taxes (current owner): $358/yr
Estimated taxes if purchased at asking price: ~$6,400/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
- Sep 17, 2026Pending$348,900
- Sep 11, 2026Price change$348,900−$1,000
- Jul 31, 2026Price change$349,900−$5,100
- Jul 16, 2026Price change$355,000−$5,000
- Jun 25, 2026Listed$360,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: MOMENTUM REALTY · theyounggroupjax@gmail.com
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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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines