3859 Arbor Mill Circle

• • 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).

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.

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.

• Sep 10, 2026Pending$474,000
• Aug 28, 2026Active Under Contract$474,000
• Aug 12, 2026Listed$474,000

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

• 

  For Sale

  676 Charter Oaks Boulevard

  Orange Park, FL 32065

  5 bd · 4 ba · 3,034 sq ft

  $545,000Est. $2,901/mo

  IMMACULATE 5 BR, 4 BA Home with 3-car oversized garage. Located in Arbor Mill at Oakleaf Plantation. NO CDD FEES!…

  Listing Office: florida homes realty & mtg llc

• 

  For Sale

  3996 Arbor Mill Circle

  Orange Park, FL 32065

  5 bd · 3.5 ba · 2,702 sq ft

  $379,900Est. $2,022/mo

  Welcome to this stunning 5-bedroom, 3.5-bath home nestled on a desirable corner lot in Arbor Mill at Oakleaf…

  Listing Office: allison james estates and homes florida

• 

  Pending

  3824 Arbor Mill Circle

  Orange Park, FL 32065

  3 bd · 2 ba · 1,723 sq ft

  $348,900Est. $1,857/mo

  MOTIVATED SELLER! Welcome to this beautifully maintained 3-bedroom, 2-bathroom home with a flex space and loft in the…

  Listing Office: momentum realty

• 

  For Sale

  3559 Baxter Street

  Jacksonville, FL 32222

  3 bd · 2 ba · 1,803 sq ft

  $345,000Est. $1,836/mo

  COME LIVE THE ACTIVE LIFESTYLE in this sought-after 55+ community! This open floor plan home features luxury plank…

  Listing Office: mcguire realty group

• 

  For Sale

  3399 Woodie Run

  Orange Park, FL 32073

  4 bd · 4 ba · 2,681 sq ft

  $523,990Est. $2,789/mo

  Listing Office: olympus executive realty, inc

  in Wilford Preserve
• 

  For Sale

  3422 Golden Eye Drive

  Orange Park, FL 32073

  4 bd · 2.5 ba · 2,436 sq ft

  $419,990Est. $2,235/mo

  Listing Office: olympus executive realty, inc

  in Wilford Oaks