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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Pending

$204,900Pending3 bd · 2.5 ba · 1,760 sq ft

Pending·81 days on market

3750 Silver Bluff Boulevard 2808

Orange Park, FL 32065

$204,900$116/sqftEst. $1,117/mo mortgageMLS# 2161015
↓ $4,850 below original list
3
Beds
2.5
Baths
1,760
Sq Ft
2006
Built
1
Garage
No
Pool
FEMA Zone XHOA $300/mo1,307 sqft lotWaterfrontCondominium2 stories

See it this week

Want to walk through this home this week?

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

Step into easy living at this beautifully maintained 3-bedroom, 2 1/2-bath condo in the highly sought-after Oakleaf Plantation community. This two floor end unit offers a bright, open layout with updated kitchen cabinets and counters, and a spacious living/dining area that flows seamlessly to a private screened lanai with pond views--perfect for morning coffee or unwinding after a long day. The kitchen features wood cabinetry, ample counter space, and a breakfast bar for casual dining. Bedrooms are generously sized, including a primary suite with walk-in closet and en-suite bath. A dedicated upstairs laundry room adds everyday convenience. Residents enjoy resort-style amenities including pools, fitness centers, clubhouse, sports fields, tennis, walking trails, and more--all just minutes from top-rated schools, shopping, dining, and major commuter routes. Owned by the secretary of the VA and sold as is, may qualify for Vendee(seller) financing.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$1,117
Property taxesest. at asking price, Clay County$314
HOAbilled monthly$300
Estimated total, before insurance$1,731/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,647/yr · $387/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

$204,900
$40,980
Loan Term
Monthly Payment
$1,117
Principal & Interest: $1,117
Property taxes (est.): $314
Insurance (est.): $137
Estimated Total Monthly
$1,568
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 2006)

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

Solar potential: ~1,749 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,647/yr

Estimated taxes if purchased at asking price: ~$3,800/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

  • Oct 31, 2026Pending$204,900
  • Oct 24, 2026Active Under Contract$204,900
  • Sep 24, 2026Price change$204,900−$4,850
  • Aug 20, 2026Listed$209,750

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 $121/sq ft; this home is listed at $116/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3750 Silver Bluff Boulevard 2108, Orange Park, FL 32065Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEAug 2026$210,000$1193/2.51,760510
3750 Silver Bluff Boulevard 2402, Orange Park, FL 32065Listed by SMILEEHOUSE AUCTION CO LLCAug 2026$204,000$1213/2.51,681410.1
3750 Silver Bluff Boulevard 605, Orange Park, FL 32065Listed by SHOE REALTY INCJul 2026$222,500$1173/21,9081190.1
3750 Silver Bluff Boulevard 305, Orange Park, FL 32065Listed by ERA ONETEAM REALTYAug 2026$180,000$943/21,90870.2
3750 Silver Bluff Boulevard 203, Orange Park, FL 32065Listed by DJ & LINDSEY REAL ESTATEAug 2026$205,000$1272/21,610150.2
802 Grover Lane, Orange Park, FL 32065Listed by ALL REAL ESTATE OPTIONS INCJul 2026$250,000$1473/2.51,704190.4

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$204,900
Price / Sq Ft$116
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,760
Acres0.03 acres
Year Built2006
TypeResidential
Sub-TypeCondominium
StyleTraditional
StatusPending
# of Garages1
Has PoolNo
Is WaterfrontYes

School Information

ElementaryOakleaf Village
MiddleOakleaf Jr High

Community Information

Address3750 Silver Bluff Boulevard 2808, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionThe Cottages At Oakleaf
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size1,306.8 sq ft
Parcel Number05042500786802524
ZoningCondominium

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Suburban, Street Lights
UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Patio, Screened
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 20, 2026
Days on Market81
HOA Fees$300 / Monthly
HOA FrequencyMonthly
HOA NameThe Cottages at Oakleaf Condominium Association
HOA Fee IncludesMaintenance Grounds
Tax Amount$4,647.26
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DOCTORS LAKE REALTY

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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