Active·2 days on market
3660 Middlebrook Drive
Orange Park, FL 32065
About this home
Orange Park
MUST SEE Gorgeous two story 5/4 home on cul-de-sac street w/over 2700sqft of living space for the whole family. NEW ROOF going on first week of August. Living room/office/den off of foyer. Bedroom #2 with bath located downstairs by Family room. Open/centrally located kitchen with solid surface counters, Island, 42'' cabinets, decorative backsplash, SS appliances, pantry & eat-in area. Dining area by kitchen. Kitchen opens to inviting Family room with wood burning fireplace framed by a pretty wood mantle. Large Master bedroom with double trey ceiling features - super Master bath w/dual vanities, garden tub, tiled shower & walk-in closet. 2nd floor has three more nice size bedrooms & two baths. Huge bonus area could be a game room/theater. New LVP wood like floors & freshly cleaned carpets. Covered porch equipped with summer kitchen - opens to fenced backyard with New fire pit to enjoy the pretty Floridian summer nights - perfect for entertaining, making memories with friends & family.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $346,046 | $0 | — |
| 2024 | $360,817 | $0 | — |
| 2023 | $341,958 | $0 | — |
| 2022 | $317,775 | $0 | — |
| 2021 | $268,093 | $115,454 | — |
| 2020 | $227,303 | $113,170 | — |
2025 property taxes (current owner): $2,164/yr
Estimated taxes if purchased at asking price: ~$8,000/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: 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)
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: ~1,773 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.
History
Price & status history
- Jul 23, 2026Listed$434,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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