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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Active

Active·5 days on market

3416 Golden Eye Drive

Orange Park, FL 32065

$364,990$213/sqftEst. $1,949/moMLS# 2165692
3
Beds
2
Baths
1,711
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $68/mo5,663 sqft lotSingle Family Residence2 storiesNew construction

About this home

Orange Park

Sample Image Discover Your Dream Home: The Cambridge Model at Wilford Oaks. Embrace luxurious single-level living in this stunning 1,711 sq ft residence. The Cambridge Model offers: 3 spacious bedrooms, 2 well-appointed bathrooms Convenient 2-car garage Prime location on a quiet cul-de-sac Desirable Corner lot. This meticulously designed home combines comfort, style, and nature, providing the perfect retreat for discerning homeowners. Don't miss this opportunity to own a piece of paradise at Wilford Oaks! Schedule your viewing today and experience the Cambridge Model's charm firsthand.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$1,949
Property taxesest. at asking price, Clay County$559
HOAbilled annually$68
Estimated total, before insurance$2,576/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$637/yr · $53/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$364,990
$72,998
Loan Term
Monthly Payment
$1,949
Principal & Interest: $1,949
Property taxes (est.): $559
Insurance (est.): $243
Estimated Total Monthly
$2,751
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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 2026)

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

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:18 AM, sunset 7:19 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $637/yr

Estimated taxes if purchased at asking price: ~$6,700/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.

History

Price & status history

  • Sep 20, 2026Listed$364,990

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

Features

Price$364,990
Price / Sq Ft$213
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,711
Total Structure Area2,515 sq ft
Acres0.13 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesEast

School Information

ElementaryOrange Park
MiddleOrange Park
HighOrange Park

Community Information

Address3416 Golden Eye Drive, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionWilford Oaks
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size5,662.8 sq ft
Parcel Number09042500787800317
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Playground
UtilitiesCable Available, Electricity Available, Electricity Connected, Water Available
Water SourcePublic
ParkingAttached, Garage Door Opener
ViewOther

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDisposal, Electric Range, Microwave
HeatingCentral, Heat Pump
CoolingElectric
FlooringCarpet, Tile
# of Stories2
LevelsOne
LaundryIn Unit, Lower Level
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCleared, Irregular Lot
Patio / PorchPatio
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 20, 2026
Days on Market0
HOA Fees$815 / Annually
HOA FrequencyAnnually
HOA NameFloridian Property Management
Tax Amount$637.12
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

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

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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