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540 WILLOW OAK Lane, Orange Park, FL, 32073

3beds
3baths
1,667sqft
$285,000
$171price/sqft
$2,221/moest. monthly cost
$88,840/yrincome needed

About This Home

Ideal for a military family with close proximity to NAS Jacksonville, this beautifully maintained end-unit townhome in Wells Landing offers comfort, convenience, and flexibility. Featuring 1,667 square feet, the home includes 3 bedrooms, 2 baths, dual primary suite options, skylights, fresh interior paint, and custom closets throughout. Situated on a spacious 6,823 sq ft lot with beautiful landscaping, this owner-occupied home has been meticulously cared for over the past 16 years. The kitchen features Samsung appliances less than five years old, plus a new LG washer. Additional upgrades include a Trane A/C system, water softener, and Waveform 180 antenna for high-speed internet. Conveniently located near shopping, dining, and major commuter routes, this move-in-ready Orange Park home is a must-see. Waveform 180 antenna delivering lightning-fast internet speeds. Enjoy Florida living year-round in the screened-in lanai with dog door, perfect for relaxing or entertaining. The exterior was painted just 2 years ago, adding to the home's move-in-ready appeal. Residents of Wells Landing enjoy access to community amenities including a pool and clubhouse, all with NO CDD fees. This rare end-unit combines space, upgrades, and location--don't miss your opportunity to call it home!

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

6/10
4/10
5/10
Orange Park High SchoolGrades PK,9-122.7 mi

Construction

Condition

  • Year built: 1985

Materials

  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Water Heater,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Eat-in Kitchen,Entrance Foyer,Pantry,Master Downstairs,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 1,667 sqft

Property

Details

  • Parcel number: 49042601923800365
  • Attached to another structure: Yes

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch,Screened

Lot

  • Lot size: 6,969 sqft
  • Features: Wooded

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Coastal Flooding
Hurricane
Heat Wave
Inland Flooding
Tornado
Tsunami

FEMA Declared Disasters in Clay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,441$17,292
Home Insurance *$272$3,264
Property Taxes $311$3,732
Electricity $197$2,366
Total$2,221$26,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,148/yr
40% on housing$66,630/yr
45% on housing$59,226/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.5%
16.5%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.5%
4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 32073$164
Clay County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 32073$177
Clay County$181

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-27Price change$285,000
2026-07-15Price change$290,000
2026-06-24Price change$294,999
2026-05-21Price change$299,999
2026-04-25Listed for sale$300,000
2010-11-23Sold$158,900
2010-07-17Sold$157,900
2010-05-05Sold$158,900
2009-07-19Listing removed$188,000
2009-03-01Listed for sale$188,000
2002-05-06Sold$120,000

For Sale by Agent

AgentJASON MARTINEZ
BrokerageREAL BROKER LLC

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