337 days on marketSingle Family Residence▼ Price cut: $28,500 (8/15)
$406,990
3-Bedroom Home in Wilford Oaks
3622 Belstead Way, Orange Park, FL 32073
Single Family Residence in Wilford Oaks, Orange Park · No CDD · Built 2025
Wilford Oaks · Orange Park, FL 32073 · Clay
Listing data updated September 19, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
2,246Sq Ft
2025Year Built
$181Per Sq Ft
2-car garageNew constructionNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
12% above
$/sq ft vs community
$181 here vs $161 median sold (12 mo)
Buyer leverage
Buyer advantage
337 days on market
4.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~20 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 19, 2026, 3622 BELSTEAD Way in Wilford Oaks, Orange Park is listed at $406,990 (2,246 sq ft, about $181 per sq ft). That sits within a few percent of Wilford Oaks's median closed sale of $427,995 over the last 12 months (76 recorded sales). Per square foot it is above the community's recent $161/sq ft by about 12%. It has been 337 days on market, longer than the community's typical 30 days to contract. Listing facts: new construction, HOA dues of $68/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2025
2,246 sq ft of living area
2-car garage
Listed at $406,990 — recent neighborhood median sale price ~$427,995 (nearby sales; deemed reliable, not an appraisal)
337 days on market
HOA $68/mo (per listing)
Community built 2019–2026Publix · 6 min driveZENSHI Handcrafted Sushi · 6 min driveOps Inc · 6 min drive
Momentum Research · Wilford Preserve
Pricing & the Wilford Preserve market
How this home is priced against recent nearby sales, and where Wilford Preserve 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.
Price vs. size in Wilford Preserve
Each dot is a closed sale since 2019 (456 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2020–2026. This home lists at $181/sq ft.
Median sale price by year
12-month median closed price, 2020–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2021–2026. Now 61 (hot).
Property timeline
This home’s history
2025BuiltPer public record
Jul 2, 2026First trackedObserved at $435,490
Aug 15, 2026Price cut$406,990
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$2,665/mo
Principal & interest $2,155/mo81%
Taxes $332/mo12%
Insurance $110/mo4%
HOA $68/mo3%
$2,665/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Strongest on: Market liquidity (61), Affordability (58)
0 limited50100 exceptional
41/100 is below average 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.
Price vs area19
This home $181/sq ft vs the community 12-month median $161/sq ft.
Affordability58
List price $406,990 vs the community median $427,995. Not a measure of personal affordability.
Flood safety50
FEMA Zone AE, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone AE and a 2025 build. Obtain a property-specific quote.
Market liquidity61
Community median 30 days on market, ~4.5 months of supply (12-month record).
Renovation upside10
From a 2025 build and $181/sq ft vs the community median $161/sq ft. Not a condition assessment.
Pricing power49
Recent sales closed at about 98.3% of original asking (~1.7% below). More room below asking generally favors buyers.
Market timing39
Momentum Market Heat is 61/100 (hot). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 4.5 months of supply in the surrounding market and 337 days on market for this home, against a 30-day area median.Days on market:this home 337Area median: 30 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of September 17, 2026.
🟡 Asking $181 per square foot, about 12% above the community’s $161 median. Wilford Preserve’s 12-month median sold price per square foot is $161. Median sold price per square foot is up 6.2% year over year. Confidence: Very High · 76 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
40% of homes in Wilford Preserve are owner-occupied. An estimated 60% are non-owner-occupied, including 33% held in a company or trust and 11% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 390 homes matched. Community-level context.
Recent Wilford Preserve sales closed near 98.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 17, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 28 active listings in Wilford Preserve, no CDD assessment.
Updated September 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
This Mayport offers a blend of comfort and elegance with its open-concept design and thoughtful layout. The heart of the home features an optional gourmet kitchen, perfect for culinary enthusiasts, with high-end appliances and a spacious island for casual dining or entertaining. The kitchen seamlessly flows into a cozy café area and an expansive great room, both of which provide easy access to the lanai which invite natural light into the space.
The home boasts four generously sized bedrooms, with the primary suite tucked away at the back of the house for added privacy. This serene retreat includes a luxurious en-suite bathroom and walk-in closet, creating a perfect sanctuary within the home.
All 42 photos
Description provided by OLYMPUS EXECUTIVE REALTY, INC and reproduced from the MLS; not independently verified.
Property facts & sources
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
List price$406,990
Bed / bath3 / 2
Living area2,246 sq ft
Year built2025
Property typeSingle Family Residence
Garage2-car
MLS #2113732
Listing status337 days on market
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~20 ft
Windstorm exposureLow
CountyClay
Area listings28 active · 15 under contract
Estimated first-year tax~$3,989/yr
CDD assessmentNone on record
HOA (per listing)$68/mo
Calculated estimates
Price per sq ft$181
Estimated monthly payment$2,665
Insurance (illustrative)$1k–$2k/yr
Messtimate range$354,868 – $415,510
Comparable-sales median$427,995
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
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.
$354,868the mess$415,510
Actual list price: $406,990 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 17% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 5 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $68/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 337 days on market vs. a 30-day community median
28 active listings competing, 15 under contract
≈4.5 months of supply
74 closed here in the last 12 months
For reference, this home is listed at $406,990 ($181/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,246 sq ft × $158–$185/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 19, 2026.
Keep looking
Similar homes for sale near Wilford Oaks
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.
Listed for $406,990Momentum Realty · on market 337 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,989/yr
A rough first-year estimate only, applying a typical Clay rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$68/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~20 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by OLYMPUS EXECUTIVE REALTY, INC · MLS # 2113732
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Market data · public records
Recent sales activity in Wilford Oaks
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Wilford Oaks neighborhood guide for more.
Comparable sales found
5
Recent nearby closings in the data set.
Community median sale price
$427,995
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$161
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Wilford Oaks
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Development
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
Why it matters: Continued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The site is about 7 miles northwest of Wilford Preserve.
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
Why it matters: Adds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 10 miles south of Wilford Preserve, elsewhere in Clay County.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 10 miles south of Wilford Preserve.
Hillwood seeks to mass-grade an AllianceFlorida site for a possible 1 million-square-foot building
Hillwood asked to mass grade a site at AllianceFlorida at Cecil Commerce Center to prepare for a possible 1 million-square-foot building, a step that typically precedes a large industrial or distribution user committing to the Westside park.
Why it matters: A build-ready million-square-foot pad points to a potential large employer on the Westside, the kind of jobs anchor that can lift demand for nearby housing. The site is about 7 miles northwest of Wilford Preserve.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 6 min
Dining
ZENSHI Handcrafted Sushi 6 min
Shopping
Ops Inc 6 min
Parks
Poochie's Park 10 min
Assigned schools
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.
GRADEA
ArgyleAssigned elementary school · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEB
Orange ParkAssigned middle school · Clay County School District · Grade B (Florida DOE 2025-26)
GRADEB
Orange ParkAssigned high school · Clay County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$405,000
3504 BELSTEAD Way, Orange Park
4 / 3 bd/ba · 2,195 sq ft · $185/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold Jun 2026
$404,990
3647 BELSTEAD Way, Orange Park
4 / 3 bd/ba · 2,195 sq ft · $185/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold Aug 2026
$420,000
3538 BELSTEAD Way, Orange Park
4 / 4 bd/ba · 2,728 sq ft · $154/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold Jul 2026
$432,031
3630 BELSTEAD Way, Orange Park
4 / 4 bd/ba · 2,728 sq ft · $158/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold Jul 2026
$330,000
3140 GOLDEN EYE Drive, Orange Park
3 / 2 bd/ba · 1,655 sq ft · $199/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Community 12-month median: $161/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,865 – $2,713/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$852 – −$89At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 3622 BELSTEAD Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $68/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
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.
Listed living area is 2,246 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 $3,989/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
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.
Answered before you ask
Frequently asked questions
How big is 3622 BELSTEAD Way and when was it built?
Per the listing record, 3622 BELSTEAD Way was built in 2025 and has 2,246 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 3622 BELSTEAD Way in?
3622 BELSTEAD Way is in Wilford Oaks in Orange Park, Clay County. The community section on this page shows recent closed sales, days on market, and active inventory for Wilford Oaks from the same MLS data.
Does 3622 BELSTEAD Way have an HOA, and how much are the dues?
The listing reports HOA dues of $68 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 3622 BELSTEAD Way differ from the current owner's?
The estimate on this page (about $3,989 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3622 BELSTEAD Way in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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.
Ready when you are
See 3622 BELSTEAD Way in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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 a typical county millage rate to the list price 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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
