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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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Active

Active·15 days on market

356 Sunstone Court

Orange Park, FL 32065

$200,000$132/sqftEst. $1,059/moMLS# 2163291
3
Beds
2.5
Baths
1,520
Sq Ft
2005
Built
1
Garage
No
Pool

About this home

Orange Park

Welcome to your sanctuary within the finest resort style community located in a gated subdivision. Upon entering the foyer will lead you to the chef's delight kitchen with loads of cabinets and a breakfast bar. The spacious great room overlooks glass sliders leading to a private screened in porch. The discreet powder room is situated off the entry foyer alongside the interior access to the attached 1 car garage. The upstairs features the master suite with en-suite bath. Washer and dryer are included! With all of the amenities that Oakleaf Plantation has to offer this is a much see!

Cost to own

Mortgage calculator

$200,000
$40,000
Loan Term
Monthly Payment
$1,059
Principal & Interest: $1,059
Property taxes (est.): $307
Insurance (est.): $133
Estimated Total Monthly
$1,499
*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.

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$1,059
Property taxesest. at asking price, Clay County$306
HOAbilled monthly$200
Estimated total, before insurance$1,566/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,645/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,645/yr

Estimated taxes if purchased at asking price: ~$3,700/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.

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 2005)

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

Solar potential: ~1,771 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 September 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

  • Sep 3, 2026Listed$200,000

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

Features

Price$200,000
Price / Sq Ft$132
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,520
Acres0.03 acres
Year Built2005
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryPlantation Oaks
MiddleOakleaf Jr High
HighOakleaf High School

Community Information

Address356 Sunstone Court, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionCambridge
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size1,306.8 sq ft
Parcel Number12042400786901473

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Jogging Path, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Guest

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Tub with Shower
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
FlooringLaminate
# of Stories2
LevelsTwo
SecuritySecurity Gate

Exterior

Patio / PorchRear Porch, Screened
ConstructionStucco

Additional Information

Date ListedSeptember 3, 2026
Days on Market14
HOA Fees$200 / Monthly
HOA FrequencyMonthly
Tax Amount$4,644.52
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

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 home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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