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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 Tamaya, Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Aug 21, 2026·196 days on market·Recent sales in Tamaya·Tamaya

2812 Cassia Lane

Jacksonville, FL 32246

$900,000sold priceListed at $919,900 · 97.8% of asking$355/sqftMLS# 2123331
4
Beds
4
Baths
2,537
Sq Ft
2023
Built
3
Garage
No
Pool

2 more homes for sale in Tamaya →Search Tamaya on the map

FEMA Zone XHOA $11/mo13,939 sqft lotWaterfrontSingle Family Residence1 story

About this home

Tamaya

New Incredible price and a stunning interior makeover. This rare luxurious 4BR/4BA single-story 3 car garage retreat on a spacious ⅓-acre lot in the gated Tamaya community--one of Jacksonville's most sought-after neighborhoods. Ideal for large or multi-generational living, each bedroom offers exceptional privacy with its own full ensuite bath. Recently planted 80 podocarpus hedges line the property and will mature to 10-20 feet, creating ultimate backyard privacy for a future pool and outdoor oasis as shown in renderings. Inside, enjoy soaring ceilings, 8-foot doors, and an open, airy layout. The chef's kitchen features 42-inch white cabinets, white quartz countertops, and an extra-large 6-burner gas range, perfect for entertaining and family gatherings. Tamaya is known for its resort-style amenities, Spanish and Mediterranean architecture, and elegant tile roofs. Conveniently located near Mayo Clinic, beaches, shopping, and dining-this home delivers luxury, privacy, and prime location

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$4,985
Property taxesest. at asking price, Duval County$1,470
HOAbilled annually$11
Estimated total, before insurance$6,465/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,141/yr · $1,512/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

$900,000
$180,000
Loan Term
Monthly Payment
$4,985
Principal & Interest: $4,985
Property taxes (est.): $1,470
Insurance (est.): $600
Estimated Total Monthly
$7,055
*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.

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: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,784 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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.

Cost to own

Taxes & assessment

Last sold: $875,100 in July 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$728,701$728,701—
2024$754,891$754,891▲ $121,252
2023$125,000$125,000—
2022$125,000$125,000—

2025 property taxes (current owner): $18,141/yr

Estimated taxes if purchased at asking price: ~$17,600/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.

History

Price & status history

  • Aug 22, 2026Closed$919,900
  • Jul 19, 2026Active Under Contract$919,900
  • Jan 3, 2026Listed$919,900

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 $301/sq ft; this home is listed at $363/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2676 Cassia Lane, Jacksonville, FL 32246Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$955,000$3284/32,9121270.1
2660 Alexia Circle, Jacksonville, FL 32246Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDESep 2026$535,000$2674/32,0061350.3
12752 Costas Way, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$675,000$3014/32,2461330.4
3121 Brettungar Drive, Jacksonville, FL 32246Listed by PURSUIT REAL ESTATE, LLCSep 2026$690,000$3213/32,15220.9
2865 Montilla Drive, Jacksonville, FL 32246Listed by ELITE REALTY GROUPOct 2026$697,000$2213/4.53,1571421
2171 Cavalry Boulevard, Jacksonville, FL 32246Listed by KELLER WILLIAMS ST JOHNSOct 2026$535,000$2354/22,27461

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$919,900
Price / Sq Ft$363
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage2,537
Acres0.32 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Spanish, Villa
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes

Community Information

Address2812 Cassia Lane, Jacksonville, FL 32246
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionIsabella At Tamaya
CityJacksonville
CountyDuval
StateFL
Zip Code32246
Lot Size13,939.2 sq ft
Parcel Number1652821460

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Management - Full Time, Management- On Site, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener
Waterfront TypePond

Interior

AppliancesDishwasher, Disposal, Dryer, Gas Range, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
LevelsOne

Additional Information

Date ListedJanuary 3, 2026
Days on Market196
HOA Fees$129 / Annually
HOA FrequencyAnnually
Tax Amount$18,141.2
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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 Tamaya

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

View all Tamaya homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 21, 2026. 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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