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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

$185,0002 bd · 2 ba · 1,601 sq ft

Active·28 days on market

3750 Silver Bluff Boulevard 2106

Orange Park, FL 32065

$185,000$116/sqftEst. $1,009/mo mortgageMLS# 2165426
↓ $20,000 below original list
2
Beds
2
Baths
1,601
Sq Ft
2005
Built
1
Garage
No
Pool
FEMA Zone XHOA $300/moCondominium1 story

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

Welcome home to easy, low-maintenance living in The Cottages at Oakleaf! Freshly painted and move-in ready, this spacious condo is an ideal opportunity for a first-time buyer or anyone looking for comfort, convenience and an amenity-filled lifestyle. Inside, you'll find generously sized bedrooms, plenty of room to spread out, and a comfortable layout designed for everyday living. Step outside to your screened enclosure, perfect for enjoying your morning coffee or unwinding at the end of the day. An attached one-car garage adds the storage and parking space that's hard to find at this price point. Living in Oakleaf means there's plenty to enjoy beyond your front door. Community amenities include pools, fitness facilities, playgrounds, walking paths and sports courts, giving you the lifestyle of a larger community without the upkeep of a traditional single-family home.

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$1,009
Property taxesest. at asking price, Clay County$284
HOAbilled monthly$300
Estimated total, before insurance$1,592/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$185,000
$37,000
Loan Term
Monthly Payment
$1,009
Principal & Interest: $1,009
Property taxes (est.): $284
Insurance (est.): $123
Estimated Total Monthly
$1,415
*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 2005)

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

Solar potential: ~1,775 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 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.

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.

History

Price & status history

  • Nov 6, 2026Price change$185,000−$10,000
  • Oct 23, 2026Price change$195,000−$10,000
  • Oct 13, 2026Active$205,000
  • Oct 9, 2026Pending$205,000
  • Sep 18, 2026Listed$205,000

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

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3750 Silver Bluff Boulevard 2402, Orange Park, FL 32065Listed by SMILEEHOUSE AUCTION CO LLCAug 2026$204,000$1213/2.51,681410
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 605, Orange Park, FL 32065Listed by SHOE REALTY INCJul 2026$222,500$1173/21,9081190
3750 Silver Bluff Boulevard 305, Orange Park, FL 32065Listed by ERA ONETEAM REALTYAug 2026$180,000$943/21,90870.1
3750 Silver Bluff Boulevard 203, Orange Park, FL 32065Listed by DJ & LINDSEY REAL ESTATEAug 2026$205,000$1272/21,610150.1
802 Grover Lane, Orange Park, FL 32065Listed by ALL REAL ESTATE OPTIONS INCJul 2026$250,000$1473/2.51,704190.5

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$185,000
Price / Sq Ft$116
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,601
Year Built2005
TypeResidential
Sub-TypeCondominium
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryOakleaf Village, reported on 16 other The Cottages At Oakleaf listings
MiddleOakleaf Jr High, reported on 17 other The Cottages At Oakleaf listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address3750 Silver Bluff Boulevard 2106, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionThe Cottages At Oakleaf
CityOrange Park
CountyClay
StateFL
Zip Code32065
Parcel Number05-04-25-007868-024-66

Amenities

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

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
Spa FeaturesCommunity

Exterior

Patio / PorchPorch, Screened
RoofShingle
ConstructionFrame, Stucco

Additional Information

Date ListedOctober 13, 2026
Days on Market28
HOA Fees$300 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

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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