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Overview

5 bd4 ba3,613 sqft3 car garageSingle Family
TypeSingle Family
HOA$30/mo
Built2005
Lot7,758 sqft
Living area3,613 sqft
Price / sqft$166
Garage3 car

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About this home

High CeilingsKitchen/Family Room ComboOpen FloorplanSplit BedroomPrivate YardClubhouseFitness CenterPark

3016 Tower Oaks Dr is a 2005-built home in Oakleaf Plantation, Orange Park. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,613 square feet of living space. Listed at $598,000 (about $166/sqft), 148 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $30 monthly.

From the listing

Virtually Staged. Welcome to 3016 Tower Oaks Drive, a beautifully maintained 5-bedroom plus office, 4-bath home tucked away on a quiet cul-de-sac in desirable Oakleaf Plantation. With over 3,500 square feet of living space and a tranquil lake setting behind the home, this property blends comfort, function, and a relaxed Florida lifestyle. From the foyer, you are greeted by a formal living room and a separate formal dining room, ideal for hosting holidays, dinner parties, or intimate gatherings. The kitchen is the heart of the home, offering solid countertops, stainless steel appliances, marble backsplash, a generous breakfast nook, and ample cabinet storage. Just off the kitchen, a bright lakefront sunroom invites you to slow down and enjoy the view, with sliding doors that open to the lanai and covered patio so you can easily move between indoor and outdoor spaces. The large family room, finished with tiled flooring, provides a comfortable spot for everyday living and features an electric fireplace that adds warmth and ambiance on movie nights or quiet evenings in. On the main level, you will find a convenient bedroom and a nearby pool bath, ideal for guests or multigenerational living. Head upstairs and you will discover a generous second living area finished with bamboo flooring that overlooks the lake, as well as a large dedicated office, creating flexible spaces for work, study, or recreation. The owner's suite offers a private retreat at the end of the day, with a large walk-in closet, double sinks, a sunken soaking tub, and a separate tiled shower. Three additional guest bedrooms and two full bathrooms on the upper level provide plenty of room for family and visitors, with thoughtful separation so everyone can enjoy their own space. Throughout the home, the layout is designed to accommodate both quiet evenings and larger gatherings with ease. Step outside and enjoy one of the home's best features: a covered patio and lanai overlooking the peaceful lake. Whether it is morning coffee, quiet evenings overlooking the water, or weekend barbecues with friends, this outdoor area captures the Florida lifestyle buyers seek. The cul-de-sac location adds an extra layer of privacy and reduces traffic, making it an inviting spot for both relaxation and play. This home has been thoughtfully cared for, with major updates already done for you, including a roof replacement in October 2022 and new A/C units installed in 2024 and 2025, providing comfort, efficiency, and peace of mind. Living here also means enjoying the Oakleaf Plantation lifestyle: resort-style pools, sports courts, fitness facilities, playgrounds, and walking paths, along with convenient shopping, dining, and services just minutes away. All of this surrounds your lakefront home, offering a blend of space, comfort, and amenities that is hard to match.

The essentials

Built
2005
Price / sqft
$166
On market
148 days
Annual tax
$5,004
HOA
$30/mo
Flood zone
X · Low risk
Lot
7,758 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Waterfront
Lake Front
Community pool
Fitness center too
3 car garage
7,758 sqft lot
Lot size

Payment

Est. monthly payment
$3,865/mo
Down payment (20%)
$119,600
Property taxes
$417/mo
HOA
$30/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
7,758 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Waterfront
Lake Front
Days on Market
148
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Split Bedroom
Private Yard
Clubhouse
Fitness Center
Park
Playground
Pool
Dishwasher
Range
Refrigerator
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$5,004
Parcel #
07-04-25-007869-005-50

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Oakleaf Plantation
County
Clay
MLS Area
32065 - Orange Park
Lot Size
7,758 sqft
HOA
$30/mo
Oakleaf Plantation

Price history

Date
Event
Price
7/6/2026
Price change
Source: Stellar MLS #FC318666
$598,000-2.8%
$166/sqft
5/20/2026
Listed for sale
Source: Stellar MLS #FC318666
$615,000
$170/sqft

Neighborhood

3016 Tower Oaks Dr
Orange Park, FL, 32065 · 32065 - Orange Park

Market insights

Offer Insights

Choose an offer strength

List price: $598,000
$595,000 – $598,000
99.5% – 100% of listTops out right at the list price
80% of listList price
13 of the last 15 home closings in Orange Park landed at this number or higher (87%). The median one sat 11 days before it went under contract, and this one is on day 148 after a $17,000 cut.

Sample: 15 closed home sales in Orange Park over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A small sample in a thin market. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,865/mo
Principal & interest$3,119
Property taxes$417
Insurance$299
HOA$30
Down payment20% · $119,600
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$598,000

$166 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,613 sq ft

Time on market

148 days

Year built

2005

Monthly payment

About $3,865/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,004 annual tax bill, insurance, and the $30/mo HOA fee.

HOA fee

$30/mo

Managed by Oakleaf Plantation.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byREALTY PROS ASSUREDListing agent: Grace BarbeiroListing data from Stellar MLS, MLS# FC318666.

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