Active·55 days on market
509 Millstone Drive
Orange Park, FL 32065
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Orange Park
PRICE IMPROVEMENT -- GREAT VALUE IN OAKLEAF PLANTATION! Welcome to this beautifully maintained 4-bedroom, 2-bathroom home, now offering an even more attractive opportunity in desirable Oakleaf Plantation. Situated on a corner lot with peaceful pond views, this home offers comfort, privacy, and excellent outdoor living. The flexible fourth bedroom includes a closet and can serve as a bedroom, office, or guest space. Enjoy a freshly painted exterior, fully fenced backyard, spacious paver patio, and fire pit--perfect for entertaining or relaxing. A major bonus: the solar panels are fully paid off, providing energy-efficiency benefits with no solar loan to assume. Enjoy Oakleaf's outstanding amenities, including pools, fitness centers, tennis courts, and playgrounds, plus convenient access to shopping, dining, and major roadways. With the new price improvement, this is an opportunity you won't want to miss!
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2003)
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: ~1,665 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 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,704/yr
Estimated taxes if purchased at asking price: ~$5,100/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
- Sep 10, 2026Price change$279,000−$6,000
- Aug 17, 2026Active$285,000
- Aug 12, 2026Listed$285,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $199/sq ft; this home is listed at $217/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 695 Bellshire Drive, Orange Park, FL 32065Listed by ASSIST 2 SELL BUYERS & SELLERS PREMIER REALTY | Aug 2026 | $269,900 | $224 | 3/2 | 1,203 | 25 | 0.2 |
| 9526 Bembridge Mill Drive, Jacksonville, FL 32244Listed by HERRON REAL ESTATE LLC | Jul 2026 | $289,500 | $178 | 3/2 | 1,624 | 23 | 0.5 |
| 9639 Bembridge Mill Drive, Jacksonville, FL 32244Listed by WATSON REALTY CORP | Aug 2026 | $319,900 | $199 | 3/2 | 1,605 | 7 | 0.6 |
| 3412 Deerfield Pointe Drive, Orange Park, FL 32073Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $323,340 | $205 | 3/2 | 1,576 | 20 | 0.7 |
| 398 Willow Green Drive, Orange Park, FL 32073Listed by HOUWZER, INC. | Sep 2026 | $269,900 | $182 | 3/2 | 1,486 | 38 | 0.8 |
| 674 Scarlet View Court, Orange Park, FL 32073Listed by CROSSVIEW REALTY | Sep 2026 | $308,000 | $188 | 3/2 | 1,634 | 81 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
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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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines