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Active

Active·35 days on market

785 Oakleaf Plantation Parkway 613

Orange Park, FL 32065

$178,000$117/sqftEst. $943/moMLS# 2160275
$2,000 below original list
3
Beds
2
Baths
1,521
Sq Ft
2006
Built
Garage
No
Pool
FEMA Zone XHOA $468/mo436 sqft lotCondominium1 story

About this home

Orange Park

Welcome to The Preserve at Oakleaf, an amazing condominium community! This is a spacious ground level condo, with a split-bedroom floor plan that includes three bedrooms and two baths, just over 1500 sq ft of living space. The open living/dining concept also includes a covered, screened-in patio with larger sliding glass doors to bring natural light inside overlooking the green space. All fixtures and appliances will be conveyed in this sale; what you see is what you get! Inside is a blank slate, just waiting for the right person to make it a home! Oakleaf amenities offer plenty of outdoor resources to enjoy! Several community pools, sports fields (tennis, basketball, playground, and 2 gyms! Yes, a 5-minute walk away from your new front door to access the clubhouse. Everything you could want, or need, is built into the community; restaurants, shopping, schools, medical, salons, daycare to name a few. Seller will offer a $3000 closing credit available for full price offer!

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$943
Property taxesest. at asking price, Clay County$273
HOAbilled monthly$468
Estimated total, before insurance$1,683/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,945/yr · $329/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$178,000
$35,600
Loan Term
Monthly Payment
$943
Principal & Interest: $943
Property taxes (est.): $273
Insurance (est.): $119
Estimated Total Monthly
$1,334
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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: material not specified — year not disclosed (home built 2006)

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

Solar potential: ~1,786 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,945/yr

Estimated taxes if purchased at asking price: ~$3,300/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 4, 2026Price change$178,000$2,000
  • Aug 14, 2026Listed$180,000

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

Features

Price$178,000
Price / Sq Ft$117
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,521
Acres0.01 acres
Year Built2006
TypeResidential
Sub-TypeCondominium
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address785 Oakleaf Plantation Parkway 613, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionThe Preserve At Oakleaf Plantation
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size435.6 sq ft
Parcel Number12042400786902563

Amenities

AmenitiesPool, Car Wash Area, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
Water SourcePublic
ParkingAssigned, Guest

Interior

Interior FeaturesOpen Floorplan, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingElectric
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LaundryIn Unit
SecurityFire Sprinkler System, Smoke Detector(s)

Exterior

Patio / PorchPatio, Screened

Additional Information

Date ListedAugust 14, 2026
Days on Market23
HOA Fees$468 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Maintenance Structure, Trash
Tax Amount$3,945.48
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COMPASS PROPERTY MANAGEMENT GROUP LLC · christine@compasspmg.com

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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