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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Terra Costa, Jacksonville — a gated community home in Jacksonville.

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Sold

Sold·Closed Oct 23, 2025·68 days on market·Recent sales in Terra Costa·Terra Costa

3100 Lucena Lane

Jacksonville, FL 32246

$588,000sold priceListed at $600,000 · 98% of asking$258/sqftMLS# 2099253
3
Beds
2
Baths
2,275
Sq Ft
2015
Built
2
Garage
No
Pool

5 more homes for sale in Terra Costa →Search Terra Costa on the map

HOA $416/mo5,227 sqft lotTownhouse1 story

About this home

Terra Costa

WOW! A Must-See True Oasis! Elegant impeccably maintained Mediterranean-style villa in the gated community of Terra Costa, offering the perfect blend of luxury, function, and convenience. This single-story home features 3 bedrooms and 2 full bathrooms, all within an open-concept floor plan designed for effortless living. The gourmet chef's kitchen is a standout with granite countertops, KitchenAid stainless steel appliances, a gas cooktop with designer hood, combination wall oven & microwave, 42'' upper cabinets, & a walk-in pantry. A custom tile backsplash adds a designer touch, while the large island opens to the dining and family room, making it perfect for entertaining. Step into the spacious living area highlighted by 10'-12' ceilings, coffered ceiling detail, and sliding glass doors that bring in abundant natural light while they showcase the tranquil preserve views. The doors lead to a screened-in lanai & extended paver patio, offering a serene outdoor space. (See More)...

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,257
Property taxesest. at asking price, Duval County$960
HOAbilled monthly$416
Estimated total, before insurance$4,633/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,985/yr · $499/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$588,000
$117,600
Loan Term
Monthly Payment
$3,257
Principal & Interest: $3,257
Property taxes (est.): $960
Insurance (est.): $392
Estimated Total Monthly
$4,609
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $5,985/yr

Estimated taxes if purchased at asking price: ~$11,500/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Jul 17, 2025Listed$600,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $218/sq ft; this home is listed at $264/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2955 Lucena Lane, Jacksonville, FL 32246Listed by RE/MAX SPECIALISTSSep 2026$595,000$2833/22,1041100.2
2950 Lucena Lane, Jacksonville, FL 32246Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2026$625,000$2953/22,116120.2
13461 Stone Pond Drive, Jacksonville, FL 32224Listed by PONTE VEDRA CLUB REALTY, INC.Aug 2026$356,500$2183/2.51,632160.4
13349 Stone Pond Drive, Jacksonville, FL 32224Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$330,000$1963/2.51,682280.4
13364 Beach Boulevard 335, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEJul 2026$243,000$1503/21,623270.4
13364 Beach Boulevard 624, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEJun 2026$245,000$1432/21,711380.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$600,000
Price / Sq Ft$264
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,275
Acres0.12 acres
Year Built2015
TypeResidential
Sub-TypeTownhouse
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address3100 Lucena Lane, Jacksonville, FL 32246
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionTerra Costa
CityJacksonville
CountyDuval
StateFL
Zip Code32246
Lot Size5,227.2 sq ft
Parcel Number1669030730

Amenities

AmenitiesPool, Playground
Community FeaturesSidewalks, Gated
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Range, Gas Water Heater, Microwave, Tankless Water Heater, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1

Additional Information

Date ListedJuly 18, 2025
Days on Market68
HOA Fees$416 / Monthly
HOA FrequencyMonthly
Tax Amount$5,985.43
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Terra Costa

Terra Costa is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.

View all Terra Costa homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 23, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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