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Active

Active·21 days on market

3824 Arbor Mill Circle

Orange Park, FL 32065

$355,000$206/sqftEst. $1,889/moMLS# 2152368

Beds

Baths

1,723

Sq Ft

2018

Built

Garage

Pool

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

Mortgage calculator

Home Price

$355,000

Down Payment: 20%

$71,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,804

Principal & Interest: $1,804

Est. Taxes & Insurance: $451

Estimated Total Monthly

$2,256

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,889

Property taxesest. at asking price, Clay County$544

HOAbilled annually$62

Estimated total, before insurance$2,496/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

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: ~$6,500/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 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 home

Informational 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