$315,000Sold3 bd · 2 ba · 1,928 sq ft
Sold·Closed Oct 30, 2026·30 days on market
966 Otter Creek Drive
Orange Park, FL 32065
About this home
Orange Park
This home is ready to go. All new paint, new carpet, new LVP flooring. Owner Suite shower features new tile. New Roof in 8-2023. New Stucco in 2022 and new HVAC in 11-24. Great plan that has both a great room/dining room combination and a separate family room open to the kitchen. Large back yard. Enjoy all the amenities of Oakleaf Plantation and close shopping and restaurants.
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 (that applies to the reference bill above too).
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 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,632 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 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, 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.
Closest park or preserve
Sal Taylor Creek Preserveabout 6 mi · 4.6 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 6 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Knights Landing Paddling Accessabout 5 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 2 mi · 10000 Omni Dr, Jacksonville
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): $6,406/yr
Estimated taxes if purchased at asking price: ~$5,800/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
- Nov 2, 2026Closed$330,000
- Oct 12, 2026Active Under Contract$330,000
- Oct 1, 2026Active$330,000
- Sep 28, 2026Active Under Contract$330,000
- Sep 8, 2026Listed$330,000
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 $162/sq ft; this home is listed at $163/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1775 Amberly Drive, Middleburg, FL 32068Listed by WATSON REALTY CORP | Oct 2026 | $375,000 | $185 | 4/3 | 2,028 | 18 | 0.7 |
| 547 Tynes Boulevard, Middleburg, FL 32068Listed by EAGLES WORLD REALTY, INC | Sep 2026 | $325,000 | $190 | 3/2.5 | 1,715 | 101 | 0.7 |
| 1713 Amberly Drive, Middleburg, FL 32068Listed by RE/MAX UNLIMITED | Oct 2026 | $345,000 | $162 | 3/2 | 2,124 | 62 | 0.8 |
| 3459 Lynn Court, Middleburg, FL 32068Listed by SPECTRUM REALTY SERVICES | Oct 2026 | $299,000 | $161 | 4/2 | 1,856 | 12 | 1.1 |
| 703 Welcome Home Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $390,500 | $158 | 4/2.5 | 2,465 | 46 | 1.1 |
| 3463 Belen Court, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2026 | $399,999 | $160 | 5/3 | 2,500 | 15 | 1.1 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXIT MAGNOLIA POINT REALTY
Sold by: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (buyer's brokerage)
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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Krista Fracke
Broker Associate
This home sold on Oct 30, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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