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Active Under Contract

Active Under Contract·16 days on market

3738 Cardinal Oaks Circle

Orange Park, FL 32065

$499,900$157/sqftEst. $2,549/moMLS# 2154584

Beds

Baths

3,178

Sq Ft

2006

Built

Garage

Pool

About this home

Orange Park

Spacious true 5-bedroom, 3-bath, 3,178 sq ft one-story in The Oaks at Oakleaf Plantation. Stone-and-stucco curb appeal on a large lot with a side-entry garage, fenced rear yard, covered lanai, and an expansive deck--perfect for Florida indoor-outdoor living. Inside, a triple-split, open floor plan offers both elegance and flexibility. The formal living room features crown moldings, while the formal dining room is finished with wainscoting and crown moldings for standout entertaining. The family room centers on a cozy fireplace framed by three graceful arched windows, flowing to a sunny breakfast area. The large kitchen is a true gathering space with a walk-in pantry, stainless steel appliances, breakfast bar, and generous prep areas and storage. The massive primary suite is a private retreat with a huge custom closet. The primary bath includes a relaxing garden tub, separate shower, and double vanity. Four additional bedrooms are thoughtfully placed for privacy

Cost to own

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,549

Principal & Interest: $2,549

Property taxes (est.): $766

Insurance (est.): $333

Estimated Total Monthly

$3,648

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,549

Property taxesest. at asking price, Clay County$766

HOAbilled annually$7

Estimated total, before insurance$3,322/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,950/yr · $662/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, 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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2024	$442,113	$352,869	—
2023	$432,880	$341,135	—
2022	$394,257	$329,743	—
2021	$323,471	$314,085	—
2020	$285,532	$285,532	—

2025 property taxes (current owner): $7,950/yr

Estimated taxes if purchased at asking price: ~$9,200/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 (2024), 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 2006)

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: ~1,759 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

Price & status history

Jul 13, 2026Active Under Contract$499,900
Jul 9, 2026Listed$499,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$499,900

Price / Sq Ft$157

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,178

Total Structure Area3,908 sq ft

Acres0.36 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Traditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3738 Cardinal Oaks Circle, Orange Park, FL 32065

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionThe Oaks

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size15,681.6 sq ft

Parcel Number08042500786801410

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground, Racquetball, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Guest Suite, In-Law Floorplan, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecurityClosed Circuit Camera(s), Security Lights, Smoke Detector(s)