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Active

Active·6 days on market

333 St James Way

Orange Park, FL 32065

$420,000$173/sqftEst. $2,326/moMLS# 2167773
4
Beds
2.5
Baths
2,424
Sq Ft
2018
Built
2
Garage
No
Pool
FEMA Zone XHOA $67/mo5,663 sqft lotWaterfrontSingle Family Residence2 stories

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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 this beautifully designed home offering elegance, comfort, and functionality. Nestled on a serene pond, this 2424 square foot gem features a striking stone front exterior and a welcoming paver driveway that sets the tone the moment you arrive. Step inside to discover a bright, open great room ideal for entertaining or relaxing with family. The expansive kitchen is a chef's dream, boasting tall black cabinetry with elegant crown molding, a newer range/oven and refrigerator - plus plenty of space to gather around the large breakfast bar. All four bedrooms, living/play area, laundry room, and two full baths are conveniently located on the second level, offering privacy and ease for the whole household. A downstairs half bath, with a separate storage closet and versatile office/bonus room add flexibility for work-from-home living, hobbies, or a playroom. The best seat in the house... the screened patio overlooking the pond, complete wit

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,326
Property taxesest. at asking price, Clay County$644
HOAbilled annually$67
Estimated total, before insurance$3,037/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,365/yr · $364/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

$420,000
$84,000
Loan Term
Monthly Payment
$2,326
Principal & Interest: $2,326
Property taxes (est.): $644
Insurance (est.): $280
Estimated Total Monthly
$3,250
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 2018)

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

Solar potential: ~1,785 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 October 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,365/yr

Estimated taxes if purchased at asking price: ~$7,700/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

  • Oct 4, 2026Listed$420,000

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 $169/sq ft; this home is listed at $173/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3859 Arbor Mill Circle, Orange Park, FL 32065Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$475,000$1884/32,532160.4
3660 Middlebrook Drive, Orange Park, FL 32065Listed by WATSON REALTY CORPAug 2026$415,000$1545/42,701250.4
620 Charter Oaks Boulevard, Orange Park, FL 32065Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$454,900$1804/2.52,52960.4
518 Vonron Drive, Jacksonville, FL 32222Listed by UNITED REAL ESTATE GALLERYAug 2026$300,000$1692/21,777600.7
584 Chestwood Chase Drive, Orange Park, FL 32065Listed by SOMEDAY HOMES REALTY, LLC.Sep 2026$415,000$1564/2.52,66000.8
656 Chestwood Chase Drive, Orange Park, FL 32065Listed by ALL REAL ESTATE OPTIONS INCAug 2026$364,900$1544/32,3771020.8

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

Price$420,000
Price / Sq Ft$173
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,424
Acres0.13 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address333 St James Way, Orange Park, FL 32065
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionArbor Mill At Oakleaf Plantation
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size5,662.8 sq ft
Parcel Number06042500786980923
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewWater
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Refrigerator
HeatingCentral, Electric, Hot Water
CoolingCentral Air, Electric
FlooringCarpet, Laminate
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Upper Level, Washer Hookup
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Lot DescriptionIrregular Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Screened
FencingFenced, Back Yard, Vinyl, Wrought Iron
RoofShingle
ConstructionFrame, Stone Veneer
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 4, 2026
Days on Market2
HOA Fees$800 / Annually
HOA FrequencyAnnually
HOA NameArbor Mill at Oakleaf Plantation Homeowners Associ
Tax Amount$4,365.31
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE LEGENDS OF REAL ESTATE

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.

Your Local Realtor

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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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