This home is in Tamaya, Jacksonville.

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Pending

Pending·104 days on market·Tamaya

12578 Costas Way

Jacksonville, FL 32246

$779,000$348/sqftEst. $4,146/moMLS# 2111629

Beds

Baths

2,239

Sq Ft

2022

Built

Garage

Pool

About this home

Tamaya

Tamaya's Finest: A custom-designed masterpiece in Jacksonville's most sought-after neighborhood. This spacious 3-bedroom, 2.5-bathroom home is a testament to modern elegance, starting with a chef's kitchen featuring oversized cabinets and high ceilings throughout the entire house. The backyard is an absolute game-changer for the everyone. With water and gas lines ready for your outdoor kitchen, you'll be the undisputed king of the grill. And with two TV outlets side-by-side on the back patio, you can watch two different games at the same time-no more fighting over the remote on Football days, so get that football package ready. The screened-in patio means you can enjoy it all without the constant buzz of mosquitos. The master suite is a luxurious retreat. Wait until you see the upgraded bathroom. Get ready to pamper yourself in your beautiful, jetted tub for the ultimate relaxation.

Cost to own

Mortgage calculator

Home Price

$779,000

Down Payment: 20%

$155,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,935

Principal & Interest: $3,935

Est. Taxes & Insurance: $984

Estimated Total Monthly

$4,919

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$4,146

Property taxesest. at asking price, Duval County$1,272

HOAbilled annually$12

Estimated total, before insurance$5,431/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $713,500 in July 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$640,866	$553,856	—
2024	$662,721	$537,540	▲ $113,566
2023	$570,428	$520,428	▲ $40,494
2022	$125,000	$125,000	—

2024 property taxes (current owner): $14,673/yr

Estimated taxes if purchased at asking price: ~$15,300/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 (2025), NEFMLS.