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Active·48 days on market

3485 Golden Eye Drive

Orange Park, FL 32065

$479,990$135/sqftEst. $2,562/moMLS# 2159253
↓ $16,881 below original list
5
Beds
3
Baths
3,553
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $68/mo7,405 sqft lotSingle Family Residence2 storiesNew construction

About this home

Orange Park

Sample Image !!! Experience spacious living in the Waterford, a beautiful two-story home featuring 5 bedrooms and 3 full bathrooms across 3,533 square feet. The first floor offers an open layout perfect for entertaining, with a grand foyer leading into the main living areas. Upstairs, you'll find a luxurious owner's suite along with four additional bedrooms, providing ample space for families. Other highlights include a 2-car garage and ample windows allowing natural light to fill the interior. The Waterford's thoughtful design combines functionality with elegant details, making it an ideal home for modern living. Visit us today to learn more about making this exceptional floor plan your new residence.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,562
Property taxesest. at asking price, Clay County$736
HOAbilled annually$68
Estimated total, before insurance$3,366/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$637/yr · $53/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$479,990
$95,998
Loan Term
Monthly Payment
$2,562
Principal & Interest: $2,562
Property taxes (est.): $736
Insurance (est.): $320
Estimated Total Monthly
$3,618
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 2026)

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

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:18 AM, sunset 7:19 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $637/yr

Estimated taxes if purchased at asking price: ~$8,800/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.

History

Price & status history

  • Aug 14, 2026Price change$479,990−$16,881
  • Aug 8, 2026Listed$496,871

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

Features

Price$479,990
Price / Sq Ft$135
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage3,553
Total Structure Area4,354 sq ft
Acres0.17 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesEast

School Information

ElementaryArgyle
MiddleOrange Park
HighOrange Park

Community Information

Address3485 Golden Eye Drive, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionWilford Oaks
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size7,405.2 sq ft
Parcel Number09042500787800278
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Playground
UtilitiesCable Available, Electricity Available, Electricity Connected, Water Available
Water SourcePublic
ParkingAttached, Garage Door Opener
ViewOther

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Split Bedrooms, Walk-In Closet(s)
AppliancesDisposal, Electric Range, Microwave
HeatingCentral, Heat Pump
CoolingElectric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCleared
Patio / PorchPatio
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedAugust 8, 2026
Days on Market49
HOA Fees$815 / Annually
HOA FrequencyAnnually
Tax Amount$637.12
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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