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Active·Listed today

3078 Wandering Oaks Drive

Orange Park, FL 32065

$499,000$161/sqftEst. $2,642/moMLS# 2165267
4
Beds
4
Baths
3,097
Sq Ft
2005
Built
2
Garage
No
Pool

About this home

Orange Park

Welcome to this spacious 4BR/4BA cul-de-sac home where thoughtful design meets resort-style living! With a full bathroom for every bedroom, this home is ideal for family living & guests. Designer features throughout include 10-foot ceilings, crown molding, plantation shutters, & recessed lighting. The expansive living room stands out with built-in shelving in the heart of the home. In addition to a formal dining room, a versatile flex space is perfect for a home office, playroom, or to suit. The owner's suite features a tray ceiling, his-and-hers closets, private water closet, soaking tub, & separate walk-in shower with dual shower heads. Outside, the large screened-in patio overlooks a generous backyard backing to a peaceful preserve, with an electric storage shed providing additional space for tools & toys. Additional features include Hardie board siding, water softener, & sprinkler system. Resort-style amenities include a water park, sports courts and a clubhouse. Welcome Home!

Cost to own

Mortgage calculator

$499,000
$99,800
Loan Term
Monthly Payment
$2,642
Principal & Interest: $2,642
Property taxes (est.): $765
Insurance (est.): $333
Estimated Total Monthly
$3,740
*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$2,642
Property taxesest. at asking price, Clay County$765
HOAbilled annually$7
Estimated total, before insurance$3,414/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,719/yr · $393/mo
  • • 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): $4,719/yr

Estimated taxes if purchased at asking price: ~$9,200/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: ~1,753 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 18, 2026Active$499,000
  • Sep 17, 2026Listed$499,000

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

Features

Price$499,000
Price / Sq Ft$161
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage3,097
Acres0.26 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryOakleaf Village
MiddleOakleaf Jr High
HighOakleaf High School

Community Information

Address3078 Wandering Oaks Drive, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionNatures Hammock
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size11,325.6 sq ft
Parcel Number04042500786801273

Amenities

AmenitiesPool, Barbecue, Children's Pool, Clubhouse, Dog Park, Fitness Center, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air, Multi Units
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac, Sprinklers In Front, Sprinklers In Rear, Wooded
Patio / PorchScreened
FencingBack Yard
ConstructionFiber Cement
Other StructuresShed(s), Workshop

Additional Information

Date ListedSeptember 18, 2026
Days on Market0
HOA Fees$85 / Annually
HOA FrequencyAnnually
Tax Amount$4,719.08
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LA ROSA REALTY NORTH FLORIDA, LLC.

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

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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.

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20+ years · 500+ closings · NE Florida

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