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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$220,000

3750 SILVER BLUFF Boulevard 1904, Orange Park, FL 32065, Orange Park, FL 32065

The Cottages At Oakleaf

Price
$220,000
Beds / Baths
3 / 2
Living area
1,908 sqft
Year built
2005
Type
Condo
Lot
0.03 ac
Garage
1
HOA
$300/mo
CDD
Yes
Flood zone
Unknown
County
Clay
Days on market
55
Elementary
Oakleaf Village
Middle
Oakleaf Jr High
High school
Oakleaf High School

$115/sqft asking, vs a $122/sqft median across 48 closed sales in 32065 over the last 12 months — 6% below the area's closed prices. Condition and lot vary; that's what a showing is for.

In lieu of painting, Seller is offering $2,000 toward the Buyer's closing costs, PLUS an additional 1% of the purchase price toward a rate buydown or other lender-approved closing cost, with an acceptable offer. This spacious 3-bedroom condominium, plus an office and attached on-car garage, is the largest floor plan available in the Cottages at Oak leaf Condominiums. It features beautiful new countertops and fixtures in the kitchen and bathrooms, a newer HVAC system, and the refrigerator, washer, and dryer are included. Enjoy the size of a house without the exterior maintenance, along with low HOA fees. But that's not all? The amenities are amazing! A clubhouse with two pools, a water slide, splash pad, fitness center, tennis courts, basketball courts, and soccer field is within walking distance. A second clubhouse with pools, a fitness center, and tennis courts is just 5 minutes way. Don't miss this opportunity to own the largest floor plan available at an incredible price.

What to check on this one

  • Confirm exact flood zone designation and obtain elevation certificate if in AE/VE.
  • Review condo milestone/SIRS reports and current reserve study status.
  • Verify CDD bond payoff amount and remaining assessment timeline.
  • Obtain HOA docs: rental restrictions, approval process, condo bylaws.
  • Confirm HVAC age/warranty and request maintenance records.
  • Get homeowners insurance quote—verify condo coverage type accepted.

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$1,142/mo
Property tax (1.1% eff., Clay Co.)$202/mo
Homeowners insurance (est.)$292/mo
HOA$300/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$2,103/mo

Loan $176,000 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 JANE DUNCAN REALTY LLC. Data via realMLS (Northeast Florida MLS), updated Aug 25, 2026, 8:23 PM.

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.