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3016 Tower Oaks Dr, Orange Park, FL, 32065

5beds
4baths
3,613sqft
$598,000
$166price/sqft
$4,870/moest. monthly cost
$194,800/yrincome needed

About This Home

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.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

5/10
DISCOVERY OAKS ELEMENTARYGrades PK-60.4 mi
6/10
7/10
Oakleaf High SchoolGrades PK,9-120.4 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2005

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Frame,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Refrigerator,Electric Range,Dishwasher
  • Laundry features: In Unit

Bedroom1

  • Level: Upper
  • Area: 340
  • Dimensions: 17.00 x 20.00

Bedroom2

  • Level: Main
  • Area: 195
  • Dimensions: 13.00 x 15.00

Bedroom3

  • Level: Upper
  • Area: 143
  • Dimensions: 11.00 x 13.00

Bedroom4

  • Level: Upper
  • Area: 132
  • Dimensions: 12.00 x 11.00

Bedroom5

  • Level: Upper
  • Area: 132
  • Dimensions: 12.00 x 11.00

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Den

  • Area: 187
  • Dimensions: 11.00 x 17.00

Dining Room

  • Area: 132
  • Dimensions: 12.00 x 11.00

Family Room

  • Area: 323
  • Dimensions: 17.00 x 19.00

Features

  • Ceiling Fan(s),Eat-in Kitchen,Entrance Foyer,Open Floorplan,Split Bedrooms,Walk-In Closet(s)
  • Flooring: Carpet,Tile,Vinyl,Wood
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 4,869
  • Total interior livable area: 3,613 sqft

Kitchen

  • Level: Main
  • Area: 154
  • Dimensions: 11.00 x 14.00

Laundry

  • Area: 54
  • Dimensions: 6.00 x 9.00

Living Room

  • Area: 120
  • Dimensions: 12.00 x 10.00

Living Room

  • Level: Upper
  • Area: 182
  • Dimensions: 13.00 x 14.00

Office

  • Level: Upper
  • Area: 247
  • Dimensions: 13.00 x 19.00

Other

  • Area: 66
  • Dimensions: 6.00 x 11.00

Property

Details

  • Parcel number: 07042500786900550

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Rear Porch
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 7,840 sqft
  • Features: Cul-De-Sac
  • Lot size dimensions: 104 x 83 x 105 x 60

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Inland Flooding
Tornado
Hurricane
Heat Wave
Strong Wind
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 $3,023$36,276
Home Insurance *$394$4,728
Property Taxes $1,090$13,080
Electricity $363$4,363
Total$4,870$58,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,971/yr
40% on housing$146,100/yr
45% on housing$129,866/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

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 32065$135
Clay County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 32065$175
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
2026-05-08Listed for sale$615,000
2012-03-27Listing removed$191,900
2012-02-04Listed for sale$191,900
2011-10-12Listing removed$191,900
2011-09-24Listed for sale$191,900
2009-05-01Listing removed$349,000
2009-04-25Price change$349,000
2008-09-28Listed for sale$390,000
2005-07-28Sold$353,700

For Sale by Agent

AgentGrace Barbeiro
BrokerageRealty Pros Assured

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