3738 CARDINAL OAKS Circle, Orange Park, FL, 32065
About This Home
Spacious true 5-bedroom, 3-bath, 3,178 sq ft one-story in The Oaks at Oakleaf Plantation. Stone-and-stucco curb appeal on a large lot with a side-entry garage, fenced rear yard, covered lanai, and an expansive deck--perfect for Florida indoor-outdoor living. Inside, a triple-split, open floor plan offers both elegance and flexibility. The formal living room features crown moldings, while the formal dining room is finished with wainscoting and crown moldings for standout entertaining. The family room centers on a cozy fireplace framed by three graceful arched windows, flowing to a sunny breakfast area. The large kitchen is a true gathering space with a walk-in pantry, stainless steel appliances, breakfast bar, and generous prep areas and storage. The massive primary suite is a private retreat with a huge custom closet. The primary bath includes a relaxing garden tub, separate shower, and double vanity. Four additional bedrooms are thoughtfully placed for privacy
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2006
Materials
- Roof: Shingle
- Construction materials: Frame,Stone,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Multi Generational,Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater,Ice Maker,Microwave,Plumbed For Ice Maker,Refrigerator
- Laundry features: Electric Dryer Hookup,Lower Level,Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Breakfast Bar,Breakfast Nook,Ceiling Fan(s),Entrance Foyer,Guest Suite,In-Law Floorplan,Jack and Jill Bath,Open Floorplan,Pantry,Primary Bathroom -Tub with Separate Shower,Master Downstairs,Split Bedrooms,Vaulted Ceiling(s),Walk-In Closet(s)
- Flooring: Tile
- Number of fireplaces: 1
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Electric,Heat Pump
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 3,908
- Total interior livable area: 3,178 sqft
Property
Details
- Parcel number: 08042500786801410
- Zoning description: PUD
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered,Deck,Patio,Porch
- Fencing: Back Yard
Lot
- Lot size: 0.36 Acres
Parking
- Total spaces: 2
- Parking features: Attached,Garage,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Hurricane
- Inland Flooding
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Clay County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,527 | $30,324 |
| Home Insurance * | $329 | $3,948 |
| Property Taxes | $778 | $9,336 |
| Electricity | $319 | $3,837 |
| Total | $3,953 | $47,436 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-09 | Listed for sale | $499,900 |
| 2021-04-30 | Sold | $409,000 |
| 2021-04-22 | Pending sale | $409,000 |
| 2021-03-25 | Contingent | $409,000 |
| 2021-03-19 | Listed for sale | $399,900 |
| 2019-06-26 | Listing removed | $2,195 |
| 2019-06-07 | Listed for rent | $2,195 |
| 2019-01-12 | Listing removed | $344,900 |
| 2018-07-13 | Price change | $344,900 |
| 2018-05-25 | Price change | $349,900 |
| 2018-03-21 | Listed for sale | $359,900 |
| 2018-01-14 | Listing removed | $364,900 |
| 2017-12-08 | Price change | $364,900 |
| 2017-10-13 | Price change | $369,900 |
| 2017-09-15 | Price change | $374,999 |
| 2017-07-20 | Price change | $379,999 |
| 2017-05-03 | Listed for sale | $369,999 |
| 2006-07-06 | Sold | $399,900 |
| 2006-04-27 | Sold | $332,300 |
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