3016 TOWER OAKS DRIVE, ORANGE PARK, FL, 32065
Active63 days on marketListed May 20, 2026MLS #FC318666
About this home
3016 TOWER OAKS DRIVE
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.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,613
Sqft
0.18 ac
Lot size
3
Garage
2005
Year built
Two
Levels
$166
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,058 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,058/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Orange Park actives
$166 vs $189
Days on market
63 vs 98 typical
Where $166/sqft sits among the 30 Orange Park actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Orange Park
Get to know Orange Park. See the full Orange Park guide →
ORANGE PARK 32065 — neighborhood snapshot
Population
40,366
Median age
36.5
Median income
$92,842
Median home value
$278,500
Avg household
2.87
Households w/ children
6,007
For the school run
Clay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Orange Park market
$340K → $409K
Orange Park median sold, yr/yr
98.9%
Sale-to-list ratio (12 mo)
6 of 30
Orange Park actives have cut their price
Median sold price, Orange Park, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% above the ORANGE PARK 32065 median. See the full Orange Park market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3016 TOWER OAKS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3016 TOWER OAKS DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3016 TOWER OAKS DRIVE FAQs
What would the monthly payment be for 3016 TOWER OAKS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,058/mo — principal and interest, the actual property-tax bill, the $30/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3016 TOWER OAKS DRIVE?+
The association fee works out to $30 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3016 TOWER OAKS DRIVE?+
The most recent tax bill on record (2025) was $5,004. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3016 TOWER OAKS DRIVE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Orange Park?+
At $598,000, this home is listed about 70% above the Orange Park median of $351,750. The market section on this page shows how the area is trending.
Which schools are assigned to 3016 TOWER OAKS DRIVE?+
Oakleaf High School (high), Oakleaf Junior High (middle), Discovery Oaks Elementary (elementary) — Clay County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$598,000 runs 51% above the ORANGE PARK 32065 median — but at 3,613 sqft it's also nearly twice the size of the typical Orange Park listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Oakleaf High School, Oakleaf Junior High, Discovery Oaks Elementary — Oakleaf High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $615,000, now $598,000 — a $17K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY PROS ASSURED · Grace Barbeiro. MLS #FC318666.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Orange Park homes, in your inbox
Like 3016 TOWER OAKS DRIVE but not quite? A daily digest of every new listing in Orange Park — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →