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Active

Active·6 days on market

3750 Silver Bluff Boulevard 305

Orange Park, FL 32065

$197,111$103/sqftEst. $1,002/moMLS# 2155429

Beds

Baths

1,908

Sq Ft

2004

Built

Garage

Pool

About this home

Orange Park

GREAT deal for investors or homebuyers. Very spacious unit in The Cottages with 3 bedrooms plus an office. Access to 2 multi million dollar amenity centers with everything you can imagine! This unit needs light cosmetic work. Close to Oakleaf Town Center, interstate, NAS Jax. CASH OR CONVENTIONAL ONLY. EMD 7,500. 3 DAY INSPECTION. CLOSE IN 35 DAYS.CAN NOT ASSIGN. ANYTHING LEFT BEHIND IN THE PROPERTY WILL BE BUYERS RESPONSIBILITY. SELLER CHOOSES TITLE ONLY, LEGAL COUNSEL PA WINTERGARDEN,FL. BUYERS AND SELLERS PAY A CLOSING FEE.

Cost to own

Mortgage calculator

Home Price

$197,111

Down Payment: 20%

$39,422

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,002

Principal & Interest: $1,002

Property taxes (est.): $302

Insurance (est.): $131

Estimated Total Monthly

$1,435

*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$1,002

Property taxesest. at asking price, Clay County$302

HOAbilled monthly$300

Estimated total, before insurance$1,604/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

2025 property taxes (current owner): $4,122/yr

Estimated taxes if purchased at asking price: ~$3,600/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, 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 2004)

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

Solar potential: ~1,767 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