Arbor Mill At Oakleaf Plantation

3996 ARBOR MILL Cir

Orange Park, FL 32065
For Sale $372,400
Price cut $379,900 ↓ $7,500 (2%) Oct 6
5 bd · 4 ba · 2,702 sqft · Built 2017
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website 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 The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of ALLISON JAMES ESTATES AND HOMES FLORIDA (ethangregory@jaxhomesrealty.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

Welcome to this stunning 5-bedroom, 3.5-bath home nestled on a desirable corner lot in Arbor Mill at Oakleaf Plantation! Designed for modern living, this inviting residence features a spacious open floor plan, a convenient two-car garage, and a private, separate owner's suite. Enjoy relaxing or entertaining outdoors in the wonderful screened patio. Located in a fantastic community with incredible Oakleaf amenities, you will love the convenience of being just minutes away from local shopping and easy interstate access. Schedule your tour today and make this wonderful property your new home!

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $13,034
$3,509/mo
Principal & interest$2,512
Property tax (est.)$334
Insurance (est.)$279
FHA MIP$165
HOA dues$62
CDD assessment$157
Cash to close: ~$13,034 down · MIP financed
VA
$0 down
$3,446/mo
Principal & interest$2,613
Property tax (est.)$334
Insurance (est.)$279
VA fee (financed)$0
HOA dues$62
CDD assessment$157
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $74,480
$2,879/mo
Principal & interest$2,047
Property tax (est.)$334
Insurance (est.)$279
PMI$0
HOA dues$62
CDD assessment$157
Cash to close: ~$74,480 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.51% effective millage, plus actual HOA & CDD. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2017
Heated area2,702 sq ft
Lot size8,537 sq ft
Parcel (RE#)06-04-25-007869-808-99
Legal descriptionLOT 99 ARBOR MILL AT OAKLEAF P

Valuation · 2025

Value

Just / Market
$375,000
Assessed
$402,029
Taxable
$402,029
2025 Property Tax
$6,051
Homestead Exemption
No

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$746 / Annually
CDD Assessment
$1,881 / Annually

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

No recorded sale history is on file for this property.

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Clay Electric Cooperative
💧 Water
Clay County Utility Authority
🚽 Sewer
Clay County Utility Authority

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Middle (zoned)
High (zoned)

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Arbor Mill At Oakleaf Plantation? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Arbor Mill At Oakleaf Plantation every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

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On the Market

Homes for Sale in Arbor Mill At Oakleaf Plantation

Other active MLS listings in Arbor Mill At Oakleaf Plantation.

The data relating to real estate for sale on this website 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 The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 3996 ARBOR MILL Cir?
The zoned public schools for 3996 ARBOR MILL Cir in Arbor Mill At Oakleaf Plantation are Plantation Oaks Elementary School (elementary), Oakleaf Junior High (middle), Oakleaf High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 3996 ARBOR MILL Cir?
The most recent annual property tax for 3996 ARBOR MILL Cir is about $6,051 (2025 tax year). Any CDD assessment is billed in addition.
Does 3996 ARBOR MILL Cir have a CDD fee?
Yes. 3996 ARBOR MILL Cir is in Arbor Mill At Oakleaf Plantation, a Community Development District (CDD) with an assessment of approximately $1,881 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 3996 ARBOR MILL Cir?
Homes in Arbor Mill At Oakleaf Plantation have an HOA fee of about $746 per year (based on recent MLS listings).
How big is 3996 ARBOR MILL Cir?
3996 ARBOR MILL Cir is a 2,702 sq ft home built in 2017 in Arbor Mill At Oakleaf Plantation, Clay County, FL.
What would the monthly payment be on 3996 ARBOR MILL Cir?
At about a 7.32% 30-year rate, the estimated monthly payment for 3996 ARBOR MILL Cir is roughly $2,879 with a conventional loan (20% down), $3,509 with FHA (3.5% down), or $3,446 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Arbor Mill At Oakleaf Plantation HOA and CDD assessment. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the Clay County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.