Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Tamaya, Jacksonville — a home near Atlantic Coast High School.

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Active

Active·297 days on market·Tamaya

3089 Spiro Circle

Jacksonville, FL 32246

$1,430,000$358/sqftEst. $7,352/moMLS# 2116458

Beds

Baths

3,999

Sq Ft

2024

Built

Garage

Pool

About this home

Tamaya

Welcome home to this stunning contemporary masterpiece nestled within the prestigious gated enclave of Tamaya. This newly constructed 2024 residence offers an exceptional blend of modern sophistication and timeless comfort, designed for those who appreciate elevated living. Step inside this sun-drenched two-story home and be greeted by soaring ceilings, expansive open-concept living spaces, and immaculate wide-plank flooring that flows seamlessly throughout. The gourmet kitchen is a showpiece of style and functionality, featuring premium finishes, a spacious island, and a hidden walk-in pantry, a discreet yet practical touch that enhances both elegance and utility. The luxurious primary suite, privately tucked away on the first floor, serves as a serene retreat with spa-inspired amenities including a soaking tub, separate shower, and a custom walk-in closet with built-in storage solutions, perfectly designed to keep your wardrobe beautifully organized.

Cost to own

Mortgage calculator

Home Price

$1,430,000

Down Payment: 20%

$286,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$7,352

Principal & Interest: $7,352

Property taxes (est.): $2,335

Insurance (est.): $953

Estimated Total Monthly

$10,640

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$7,352

Property taxesest. at asking price, Duval County$2,335

HOAbilled annually$10

Estimated total, before insurance$9,697/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,113/yr · $593/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).

Cost to own

Taxes & assessment

Last sold: $6,741,700 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$984,653	$881,161	—
2024	$125,000	$125,000	—

2024 property taxes (current owner): $7,113/yr

Estimated taxes if purchased at asking price: ~$28,000/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Tile — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Nov 5, 2025Listed$1,430,000

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

Features

Price$1,430,000

Price / Sq Ft$358

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,999

Acres0.22 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryKernan Trail

MiddleKernan

HighAtlantic Coast

Community Information

Address3089 Spiro Circle, Jacksonville, FL 32246

Area025-Intracoastal West-North Of Beach Blvd

SubdivisionTamaya

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size9,583.2 sq ft

Parcel Number1670667900

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Playground, Security, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Water Softener Owned

HeatingCentral, Electric, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecurityGated with Guard, Security Gate, Security System Owned