Sold·Closed Aug 6, 2026·8 days on market
3857 Cardinal Oaks Circle
Orange Park, FL 32065
About this home
Orange Park
Welcome to this exceptional custom home in the highly desirable Oaks at OakLeaf Plantation! Located on a private 0.61-acre cul-de-sac lot, this beautiful 4-bedroom, 4-bathroom home offers over 3,117 square feet of well-designed living space with stunning lake views. Enter through the grand foyer with soaring 20-foot ceilings and an elegant double staircase. The spacious family room features custom built-ins and large windows that bring in natural light and showcase peaceful water views. The kitchen is perfect for everyday living and entertaining, with 42-inch cabinets, granite countertops, and ample storage and workspace. Enjoy generously sized bedrooms, well-appointed bathrooms, and a covered lanai ideal for relaxing or entertaining while overlooking the lake. Additional features include a 3-car garage and access to OakLeaf Plantation's resort-style amenities, including pools, fitness centers, trails, playgrounds, and sports courts. Don't miss this rare lakefront opportunity!
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 (that applies to the reference bill above too).
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: Shingle — year not disclosed (home built 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,612 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $427,183 | $219,199 | — |
| 2024 | $438,900 | $212,314 | — |
| 2023 | $429,962 | $204,674 | — |
| 2022 | $396,104 | $197,257 | — |
| 2021 | $322,124 | $190,056 | — |
| 2020 | $284,383 | $186,742 | — |
2025 property taxes (current owner): $5,744/yr
Estimated taxes if purchased at asking price: ~$9,500/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.
History
Price & status history
- Aug 7, 2026Closed$539,750
- Jul 7, 2026Pending$539,750
- Jun 29, 2026Listed$539,750
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $162/sq ft; this home is listed at $173/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3738 Cardinal Oaks Circle, Orange Park, FL 32065Listed by WATSON REALTY CORP | Aug 2026 | $516,000 | $162 | 5/3 | 3,178 | 6 | 0.1 |
| 3660 Middlebrook Drive, Orange Park, FL 32065Listed by WATSON REALTY CORP | Aug 2026 | $415,000 | $154 | 5/4 | 2,701 | 25 | 0.7 |
| 615 Bartram Downs Road, Orange Park, FL 32065Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $430,000 | $180 | 4/3 | 2,388 | 16 | 0.8 |
| 9648 Bembridge Mill Drive, Jacksonville, FL 32244Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $490,000 | $160 | 5/3 | 3,070 | 9 | 1.1 |
| 584 Chestwood Chase Drive, Orange Park, FL 32065Listed by SOMEDAY HOMES REALTY, LLC. | Sep 2026 | $415,000 | $156 | 4/2.5 | 2,660 | 0 | 1.1 |
| 3949 Heavenside Court, Orange Park, FL 32073Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $435,000 | $197 | 4/2 | 2,205 | 19 | 1.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ASSIST 2 SELL BUYERS & SELLERS PREMIER REALTY
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.
Keep looking
Similar homes in Orange Park
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 6, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines