$325,000
3040 TOWER OAKS Drive, Orange Park, FL 32065, Orange Park, FL 32065
Oakleaf Plantation
- Price
- $325,000
- Beds / Baths
- 4 / 3
- Living area
- 2,379 sqft
- Year built
- 2005
- Type
- Residential
- Lot
- 0.17 ac
- Garage
- 2
- HOA
- $7/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 10
$137/sqft asking, vs a $172/sqft median across 704 closed sales in 32065 over the last 12 months — 21% below the area's closed prices. Condition and lot vary; that's what a showing is for.
SHORT SALE ALERT! Spacious 4BR/3BA lakefront home in desirable Oakleaf Plantation featuring a versatile triple-split floor plan with TWO owner's suites! The main level offers a spacious owner's suite with huge walk-in closet, plus two additional bedrooms and bath in a separate wing. Upstairs, the 2nd owner's suite/bonus room with private bath is ideal for guests, in-laws, media room or office. Enjoy an open floor plan with 10-ft ceilings, oversized kitchen/great room and separate dining/flex space. Tall sliders open to a fenced backyard with tranquil lake and preserve views. Enjoy Oakleaf's resort-style pools, fitness facilities, parks and trails, plus nearby shopping and dining. Convenient to First Coast Expressway and I-295. Home needs some TLC and is being sold AS IS and priced appropriately. Small price for a lot of square footage on a great lot. Roof is 5 years old. Located in desirable Oakleaf Plantation with its restaurants and shopping plus million dollar facilities incl pools, fitness center, parks and trails, it is also convenient to the First Coast Expressway and I295 for an easy commute.
What to check on this one
- Confirm flood zone designation and obtain elevation certificate for lender/insurance.
- Verify CDD bond payoff amount and annual assessment—short sales often have unpaid obligations.
- Get roof inspection report; at 21 years old, confirm insurer will cover despite 5-year-old roof.
- Review Oakleaf Plantation HOA/CDD docs, rental restrictions, and any special assessments pending.
- Inspect plumbing for polybutylene (pre-1995 era); common in 2005 builds, insurers flag it.
- Confirm as-is sale means no repairs—budget for inspection findings on mechanicals and structure.
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
Loan $260,000 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 ONE SOTHEBY'S INTERNATIONAL REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 28, 2026, 11:52 AM.
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