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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 gated community home in Jacksonville.

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Sold

Sold·Closed Jun 17, 2026·78 days on market·Recent sales in Tamaya·Tamaya

2657 Ostia Circle

Jacksonville, FL 32246

$595,000sold priceListed at $614,000 · 96.9% of asking$274/sqftMLS# 2134904
3
Beds
2
Baths
2,174
Sq Ft
2018
Built
2
Garage
No
Pool

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

HOA $10/mo10,019 sqft lotSingle Family Residence1 story

About this home

Tamaya

Experience luxurious Mediterranean-inspired living in this elegant 3-bedroom, 2-bathroom home spanning 2,174 sq. ft. The owner's suite is a true retreat, featuring a large walk-in closet, dual vanities, a garden tub, and a spacious walk-in shower. Two additional bedrooms and a shared bath are privately set apart from the main living area, offering an ideal layout for family or guests. The open floor plan showcases a grand gathering room and a gourmet kitchen with a vented range. Step out to the covered lanai, equipped with gas and water hookups, ideal for outdoor cooking or relaxing in style. The home also features a brand-new lawn, enhancing its curb appeal and outdoor enjoyment. Located in Tamaya, one of Jacksonville's most prestigious gated communities, just 10 minutes to the beach, 15 minutes to St. Johns Town Center, and 25 minutes to Downtown Jacksonville. Enjoy world-class amenities, including two resort-style pools, a waterpark, fitness center, tennis& basketball courts.

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$3,296
Property taxesest. at asking price, Duval County$972
HOAbilled annually$10
Estimated total, before insurance$4,277/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,875/yr · $1,240/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$595,000
$119,000
Loan Term
Monthly Payment
$3,296
Principal & Interest: $3,296
Property taxes (est.): $972
Insurance (est.): $397
Estimated Total Monthly
$4,664
*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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Tile — year not disclosed (home built 2018)

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

Solar potential: ~1,769 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

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

YearMarket valueTaxable valueChange
2025$573,787$573,787—
2024$544,674$544,674—
2023$527,690$499,471▲ $42,513
2022$471,453$454,065—
2021$412,787$412,787—
2020$407,005$401,685▲ $3,941

2025 property taxes (current owner): $14,875/yr

Estimated taxes if purchased at asking price: ~$11,700/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.

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 $267/sq ft; this home is listed at $282/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12752 Costas Way, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$675,000$3014/32,2461330.5
2660 Alexia Circle, Jacksonville, FL 32246Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDESep 2026$535,000$2674/32,0061350.5
3121 Brettungar Drive, Jacksonville, FL 32246Listed by PURSUIT REAL ESTATE, LLCSep 2026$690,000$3213/32,15220.8
13015 Bentwater Drive, Jacksonville, FL 32246Listed by FUTURE HOME REALTY INCSep 2026$379,000$2103/21,8051060.9
2494 The Woods Drive E, Jacksonville, FL 32246Listed by MOMENTUM REALTYSep 2026$435,455$2353/21,85020.9
2171 Cavalry Boulevard, Jacksonville, FL 32246Listed by KELLER WILLIAMS ST JOHNSOct 2026$535,000$2354/22,27461.2

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$614,000
Price / Sq Ft$282
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,174
Acres0.23 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleSpanish
Property ConditionFixer
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2657 Ostia Circle, Jacksonville, FL 32246
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionTamaya
CityJacksonville
CountyDuval
StateFL
Zip Code32246
Lot Size10,018.8 sq ft
Parcel Number1652844750

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Jogging Path, Playground, Security, Tennis Court(s)
Community FeaturesSidewalks, Gated
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyAppliances, Windows
ParkingAttached, Garage
ViewProtected Preserve, Water

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Gas Range, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
RoofTile
ConstructionFrame, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedMarch 13, 2026
Days on Market78
HOA Fees$121 / Annually
HOA FrequencyAnnually
HOA Fee IncludesSecurity
Tax Amount$14,875.06
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

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 Jun 17, 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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