Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$349,900

3824 ARBOR MILL Circle, Orange Park, FL 32065, Orange Park, FL 32065

Arbor Mill At Oakleaf Plantation

Price
$349,900
Beds / Baths
3 / 2
Living area
1,723 sqft
Year built
2018
Type
Residential
Lot
0.13 ac
Garage
2
HOA
$62/mo
CDD
No
Flood zone
Unknown
County
Clay
Days on market
68

$203/sqft asking, vs a $172/sqft median across 704 closed sales in 32065 over the last 12 months — 18% above the area's closed prices. Condition and lot vary; that's what a showing is for.

MOTIVATED SELLER! Welcome to this beautifully maintained 3-bedroom, 2-bathroom home with a flex space and loft in the highly sought-after Arbor Mill community of Oakleaf Plantation! Built in 2018 this home shows like a new build! Before entering the home you'll notice the beautiful pavers driveway. Upon entry, you'll find a flexible front room ideal for a home office, study, playroom, or workout space. A separate loft space that's spacious and provides the perfect setting for a media room, game room, or second living area. The open-concept floor plan seamlessly connects the kitchen, dining, and living areas, creating an inviting atmosphere for everyday living and hosting guests. The kitchen features ample cabinetry, generous counter space, and overlooks the main living area, making it the heart of the home. While hosting step outside to one of the property's standout features--an extended paver patio overlooking a beautiful pond view. This area is perfect for relaxing and hosting! The spacious primary suite serves as a private retreat, featuring ample room for relaxation, generous closet space, and a beautifully appointed En Suite bathroom that provides both comfort and functionality. This home truly has it all! Come See it for yourself, schedule your tour today!

What to check on this one

  • Confirm final flood zone designation and obtain elevation certificate if AE/VE.
  • Verify HOA $62/mo covers what; request Oakleaf Plantation / Arbor Mill governing docs.
  • Review roof warranty or age—home is 8 years old, confirm no prior claims.
  • Confirm waterfront pond is common area; check deed for ownership/maintenance liability.
  • Inspect paver driveway and extended patio for settling, cracks, or repair history.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$1,816/mo
Property tax (1.1% eff., Clay Co.)$321/mo
Homeowners insurance (est.)$292/mo
HOA$62/mo
All-in monthly (est.)$2,491/mo

Loan $279,920 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of MOMENTUM REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 23, 2026, 6:56 AM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.