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Active

Active·2 days on market

3223 Wandering Oaks Drive

Orange Park, FL 32065

$425,000$195/sqftEst. $2,167/moMLS# 2157021

Beds

Baths

2,179

Sq Ft

2004

Built

Garage

Pool

About this home

Orange Park

Prime Location Home - Walking Distance to Pool, Gym, School & Shopping! Step inside this stunning residence featuring soaring high ceilings, an open floor plan, new roof (2022), AC (2019), updated light fixtures, and luxury vinyl plank flooring throughout. The oversized owner's suite overlooks a park-like backyard, complete with a massive walk-in closet and spa-like en-suite bath. Three additional bedrooms share a spacious secondary bathroom. The chef's kitchen shines with new granite countertops, abundant cabinetry, counter space, a breakfast bar, and breakfast nook overlooking the covered patio and expansive family room. Formal living and dining rooms welcome you through impressive upgraded double doors. The backyard oasis boasts lush landscaping and artificial turf--no mowing required in the rear of the home.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,167

Principal & Interest: $2,167

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,102

*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$2,167

Property taxesest. at asking price, Clay County$651

HOAbilled annually$5

Estimated total, before insurance$2,824/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,975/yr · $498/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

2025 property taxes (current owner): $5,975/yr

Estimated taxes if purchased at asking price: ~$7,800/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: Shingle — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,732 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 August 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

Aug 1, 2026Active$425,000
Jul 24, 2026Price change$425,000−$3,825,000
Jul 24, 2026Listed$4,250,000

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

Features

Price$425,000

Price / Sq Ft$195

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,179

Acres0.15 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleFlat

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3223 Wandering Oaks Drive, Orange Park, FL 32065

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionNatures Hammock

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size6,534 sq ft

Parcel Number09042500786801132

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Park, Playground, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDisposal, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup