3824 Arbor Mill Circle, Orange Park, FL 32065
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 1, 2026, 3824 ARBOR MILL Circle in Arbor Mill At Oakleaf Plantation, Orange Park is listed at $348,900 (1,723 sq ft, about $202 per sq ft). It has been 82 days on market. Listing facts: built in 2018, waterfront, HOA dues of $62/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2018 · 8 yrs
- 1,723 sq ft of living area
- 2-car garage
- Listed at $348,900 — recent neighborhood median sale price ~$319,450 (nearby sales; deemed reliable, not an appraisal)
- 82 days on market
- HOA $62/mo (per listing)
About this home
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!
All 75 photos
Description provided by MOMENTUM REALTY and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $1,863/mo 80%
- Taxes $285/mo 12%
- Insurance $111/mo 5%
- HOA $62/mo 3%
$2,321/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Clay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Arbor Mill At Oakleaf Plantation market
How this home is priced against recent nearby sales, and where Arbor Mill At Oakleaf Plantation has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 2018BuiltPer public record
- Jul 2, 2026First seen on movewithmomentum.comObserved at $365,000
- Jul 10, 2026Price cut$360,000 (-$5,000, -1.4%)
- Aug 4, 2026Price cut$349,900 (-$10,100, -2.8%)
- Sep 12, 2026Price cut$348,900 (-$1,000, -0.3%)
- NowUnder contractCurrently pending
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in Arbor Mill At Oakleaf Plantation in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $319,450 ($183/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Stronger local evidence — 6 comparable closed sales in Arbor Mill At Oakleaf Plantation, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $348,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 15% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- Carrying costs & concessions — this home carries HOA dues of $62/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
For reference, this home is listed at $348,900 ($202/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,723 sq ft × $169–$195/sq ft (interquartile band of 6 comparable closed sales in Arbor Mill At Oakleaf Plantation, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Property Score
58/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $202 per square foot, about 10% above the community’s $183 median. Arbor Mill At Oakleaf Plantation’s 12-month median sold price per square foot is $183. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 3824 ARBOR MILL Circle?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Request a showing
Similar homes for sale near Arbor Mill At Oakleaf Plantation
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Orange Park
- 1746 Winfred Drive, Orange Park · $325,000 · 3 bd / 2.0 ba · listed October 1, 2026 (courtesy of HOUSE & HAVEN)
- 3968 Village View Lane, Orange Park · $199,999 · 3 bd / 2.5 ba · listed October 1, 2026 (courtesy of ENDLESS SUMMER REALTY)
- 2239 Club Lake Drive, Orange Park · $495,900 · 4 bd / 3.5 ba · listed September 30, 2026 (courtesy of RE/MAX SPECIALISTS)
- 1730 Gumtree Drive, Orange Park · $289,000 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of OLD BEACH REALTY GROUP INC)
- 1214 Cimmaron Drive, Orange Park · $247,000 · 3 bd / 2.0 ba · listed September 28, 2026 (courtesy of BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY)
- 3136 Chestnut Ridge Way, Orange Park · $275,000 · 3 bd / 2.5 ba · listed September 26, 2026 (courtesy of UNITED REAL ESTATE GALLERY)
More on Clay County
Explore Clay County
Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Clay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 3824 ARBOR MILL Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2018: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $62/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 1,723 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $3,419/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | realMLS, refreshed twice daily (last: October 1, 2026) |
| Comparable sales | realMLS closed sales in Arbor Mill At Oakleaf Plantation, last 18 months, as of October 1, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 3824 ARBOR MILL Circle and when was it built?
Per the listing record, 3824 ARBOR MILL Circle was built in 2018 and has 1,723 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3824 ARBOR MILL Circle in?
3824 ARBOR MILL Circle is in Arbor Mill At Oakleaf Plantation in Orange Park, Clay County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3824 ARBOR MILL Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $62 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3824 ARBOR MILL Circle differ from the current owner's?
The estimate on this page (about $3,419 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3824 ARBOR MILL Circle in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 3824 ARBOR MILL Circle in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and Julius M. Young, Sr., the listing agent, will follow up.
Momentum Realty · licensed in FL & GA
Listed by
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is 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. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.
