Active·27 days on market
676 Charter Oaks Boulevard
Orange Park, FL 32065
About this home
Orange Park
IMMACULATE 5 BR, 4 BA Home with 3-car oversized garage. Located in Arbor Mill at Oakleaf Plantation. NO CDD FEES! Luxurious open concept design built by Drees Homes. The Kitchen is a Chef's dream w/42'' white cabinets. huge Island w/sink, granite counters, backsplash, wall oven, smooth top range, microwave, refrigerator & breakfast nook. Separate formal dining room. Large family room with tray ceiling. Spacious master BR w/large walk-in closet. Glamour master bath w/garden tub, glass shower & double sink vanity! 2nd & 3rd BR's currently set up as an office & exercise room. 4th BR & 3rd bath w/walk-in shower can be used for In-Law suite! Huge upstairs Bonus Room w/bath can be utilized as 5th BR, game room, playroom or additional living room. Covered patio overlooks serene backyard. Spacious laundry room & Mudroom. Security system w/cameras included. Water softener. Enjoy time w/family in community pool, clubhouse & playground. Close to schools, shopping, dining, NAS Jax & major highways
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.
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: material not specified — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,760 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.
History
Price & status history
- Aug 29, 2026Listed$545,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines