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 Terra Costa, Jacksonville.

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Pending

Pending·187 days on market·Terra Costa

2992 Lucena Lane

Jacksonville, FL 32246

$630,000$280/sqftEst. $3,239/moMLS# 2131325

Beds

Baths

2,252

Sq Ft

2018

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$630,000

Down Payment: 20%

$126,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,239

Principal & Interest: $3,239

Property taxes (est.): $1,029

Insurance (est.): $420

Estimated Total Monthly

$4,688

*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$3,239

Property taxesest. at asking price, Duval County$1,029

HOAbilled monthly$413

Estimated total, before insurance$4,681/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.

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.

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 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

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.

Features

Price$630,000

Price / Sq Ft$280

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,252

Total Structure Area2,877 sq ft

Acres0.11 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Craftsman, Flat, Patio Home, Traditional, Villa

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryKernan Trail

MiddleKernan

Community Information

Address2992 Lucena Lane, Jacksonville, FL 32246

Area025-Intracoastal West-North Of Beach Blvd

SubdivisionTerra Costa

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size4,791.6 sq ft

Parcel Number1669030820

ZoningResidential

Amenities

UtilitiesCable Available, Sewer Connected, Water Available

Water SourcePrivate, Public

ParkingAttached, Garage, Garage Door Opener, Guest, On Street

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Gas Range, Gas Water Heater, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air, Electric

# of Stories1

LevelsOne