Oakpoint at Oakleaf Plantation

3040 TOWER OAKS Dr

Orange Park, FL 32065
For Sale $325,000
4 bd · 3 ba · 2,969 sqft · Built 2005
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 ONE SOTHEBY'S INTERNATIONAL REALTY (Lynn@thebraddygroup.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

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.

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 · $11,375
$2,897/mo
Principal & interest$2,051
Property tax (est.)$302
Insurance (est.)$244
FHA MIP$144
HOA dues$7
CDD assessment$150
Cash to close: ~$11,375 down · MIP financed
VA
$0 down
$2,836/mo
Principal & interest$2,133
Property tax (est.)$302
Insurance (est.)$244
VA fee (financed)$0
HOA dues$7
CDD assessment$150
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $65,000
$2,374/mo
Principal & interest$1,671
Property tax (est.)$302
Insurance (est.)$244
PMI$0
HOA dues$7
CDD assessment$150
Cash to close: ~$65,000 down

Rate: 6.660% (Freddie Mac 30-yr avg, as of Aug 27, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.60% 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 built2005
Heated area2,379 sq ft
Lot size7,550 sq ft
SubdivisionOAKPOINT OAKLEAF PLA
Parcel (RE#)07-04-25-007869-005-56
Legal descriptionLOT 182 OAKPOINT @ OAKLEAF PLA

Valuation · 2025

Value

Just / Market
$325,000
Assessed
$308,008
Taxable
2025 Property Tax
$0
Homestead Exemption
Yes $50,000 exempt

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

HOA Dues
$85 / Annually
CDD Assessment
$1,806 / 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

Elementary (zoned)
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 Oakpoint 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 Oakpoint 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 →

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Community Records

Oakpoint at Oakleaf Plantation Documents

On the Market

Homes for Sale in Oakpoint at Oakleaf Plantation

Other active MLS listings in Oakpoint 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 3040 TOWER OAKS Dr?
The zoned public schools for 3040 TOWER OAKS Dr in Oakpoint at Oakleaf Plantation are Discovery Oaks Elementary (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 3040 TOWER OAKS Dr?
The most recent annual property tax for 3040 TOWER OAKS Dr is about $0 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 3040 TOWER OAKS Dr have a CDD fee?
Yes. 3040 TOWER OAKS Dr is in Oakpoint at Oakleaf Plantation, a Community Development District (CDD) with an assessment of approximately $1,806 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 3040 TOWER OAKS Dr?
Homes in Oakpoint at Oakleaf Plantation have an HOA fee of about $85 per year (based on recent MLS listings).
How big is 3040 TOWER OAKS Dr?
3040 TOWER OAKS Dr is a 2,379 sq ft home built in 2005 in Oakpoint at Oakleaf Plantation, Clay County, FL.
What would the monthly payment be on 3040 TOWER OAKS Dr?
At about a 6.66% 30-year rate, the estimated monthly payment for 3040 TOWER OAKS Dr is roughly $2,374 with a conventional loan (20% down), $2,897 with FHA (3.5% down), or $2,836 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Oakpoint 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.