Active·7 days on market
3750 Silver Bluff Boulevard 2106
Orange Park, FL 32065
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.
- • 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: 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.
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 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, 2026Listed$205,000
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: 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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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines