This home is in Terra Costa, Jacksonville.
Pending·232 days on market·Terra Costa
2992 Lucena Lane
Jacksonville, FL 32246
4 more homes for sale in Terra Costa →Search Terra Costa on the map
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Terra Costa
Stunning townhome in Terra Costa! All one level, sleek sophistication, new finishes, modern concept. High ceilings, loads of natural light. Open floor plan with seamless flow. Large Patio out back immerses you in nature with beautiful birds & wildlife abounding. Captivating sunsets, complete serenity & tranquility. Very private chic home is close to shops dining & entertainment venues. Kitchen features small pearl glass tile backsplash, Quartz Counter tops & Kitchen Aid Appliances w/ double ovens, 5 burner gas cooktop custom hood vent & updated pendant lighting. Flooring is beautiful light gray wood look tile throughout, contemporary lighting & window coverings, Custom ceiling fans, water softener, Every builder upgrade was included! Primary suite has separate walk in rain shower & Garden tub. Elfa cabinetry in Owners Suite & laundry room plus closets providing generous storage. Water softener & tankless hot water heater. Built ins in Study plus TV platform conveys if desired.
Next steps in Terra Costa
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Hurricane evacuation zone E
Zone E evacuates after zones A, B, C, D in an approaching storm.
Roof: material not specified — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,768 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 homeAs 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:28 AM, sunset 6:55 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $501,753 | $329,476 | — |
| 2024 | $487,271 | $319,483 | — |
| 2023 | $509,551 | $308,722 | — |
| 2022 | $417,427 | $298,274 | ▼ $10,546 |
| 2021 | $356,653 | $288,131 | — |
| 2020 | $333,463 | $283,463 | — |
2023 property taxes (current owner): $5,885/yr
Estimated taxes if purchased at asking price: ~$12,300/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.
History
Price & status history
- Jul 30, 2026Pending$630,000
- Feb 24, 2026Listed$630,000
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 $301/sq ft; this home is listed at $280/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3121 Brettungar Drive, Jacksonville, FL 32246Listed by PURSUIT REAL ESTATE, LLC | Sep 2026 | $690,000 | $321 | 3/3 | 2,152 | 2 | 0.4 |
| 13725 Macapa Road, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $345,000 | $145 | 4/2 | 2,382 | 58 | 0.7 |
| 12752 Costas Way, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $675,000 | $301 | 4/3 | 2,246 | 133 | 0.8 |
| 13015 Bentwater Drive, Jacksonville, FL 32246Listed by FUTURE HOME REALTY INC | Sep 2026 | $379,000 | $210 | 3/2 | 1,805 | 106 | 0.8 |
| 3771 Hunt Club Road, Jacksonville, FL 32224Listed by INI REALTY | Sep 2026 | $817,500 | $324 | 3/2.5 | 2,524 | 3 | 0.9 |
| 2494 The Woods Drive E, Jacksonville, FL 32246Listed by MOMENTUM REALTY | Sep 2026 | $435,455 | $235 | 3/2 | 1,850 | 2 | 1 |
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
School Information
Community Information
Amenities
Interior
Additional Information
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 →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines