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Active

Active·11 days on market

3750 Silver Bluff Boulevard 1904

Orange Park, FL 32065

$235,000$123/sqftEst. $1,194/moMLS# 2154665

Beds

Baths

1,908

Sq Ft

2005

Built

Garage

Pool

About this home

Orange Park

Spacious 3-bedroom, 2-bath condominium with a dedicated office and the largest floor plan available in The Cottages Condominiums! The private entrance is on the first floor, with all living space located upstairs, offering added privacy and an open feel. This home is ready for your personal updates and features newer stainless steel kitchen appliances, newer HVAC and includes the refrigerator, washer, and dryer. Beautiful new counter tops and fixtures are in the kitchen and bathrooms. The attached one-car garage provides convenient parking and extra storage. Enjoy being just a short walk to the community pool, clubhouse, and fitness center. A great opportunity to customize this spacious home with your own paint colors while building equity.

Cost to own

Mortgage calculator

Home Price

$235,000

Down Payment: 20%

$47,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,194

Principal & Interest: $1,194

Property taxes (est.): $360

Insurance (est.): $157

Estimated Total Monthly

$1,711

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,194

Property taxesest. at asking price, Clay County$360

HOAbilled monthly$300

Estimated total, before insurance$1,855/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

Year	Market value	Taxable value	Change
2024	$223,488	$191,891	—
2023	$221,104	$174,447	—
2022	$189,397	$158,589	—
2021	$151,767	$144,172	—
2020	$143,148	$131,066	—

2025 property taxes (current owner): $4,789/yr

Estimated taxes if purchased at asking price: ~$4,300/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: material not specified — year not disclosed (home built 2005)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,779 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