This home is in Jacksonville.

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Active

Active·91 days on market

12752 Costas Way

Jacksonville, FL 32246

$715,000$318/sqftEst. $3,806/moMLS# 2139970

Beds

Baths

2,246

Sq Ft

2021

Built

Garage

Pool

About this home

Jacksonville

Enjoy peaceful, upscale living in one of Jacksonville's most desirable gated communities--Tamaya. Welcome home to this light & airy Serena model. This cozy home sits on a beautiful huge backyard with view of the water, Plenty of space for your custom pool on this secluded retreat. It offers an abundance of light w/ 12ft high ceilings & plenty of windows spread out over 2,200 sq ft. You will enjoy 4 spacious bedrooms & 3 baths. This meticulous & well-kept home has an open floor plan w/Liv. Room & Din. Rooms. Chef's Kitchen w/breakfast bar overlooks Great Room. LVP flooring throughout with a large cover patio. Residents of Tamaya enjoy access to community amenities - a clubhouse, swimming pool, fitness center & scenic walking trails. Located near major highways for easy commutes to downtown Jacksonville & surrounding areas. Just minutes from the St. Johns Town Center, offering premier shopping & dining, a short drive to Jacksonville's beaches.

Cost to own

Mortgage calculator

Home Price

$715,000

Down Payment: 20%

$143,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,612

Principal & Interest: $3,612

Est. Taxes & Insurance: $903

Estimated Total Monthly

$4,515

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,806

Property taxesest. at asking price, Duval County$1,167

HOAbilled annually$17

Estimated total, before insurance$4,990/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$647,319	$517,844	—
2024	$669,520	$502,543	▲ $114,121
2023	$577,003	$486,450	▲ $41,095
2022	$520,826	$470,826	—

2025 property taxes (current owner): $14,434/yr

Estimated taxes if purchased at asking price: ~$14,000/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 2021)

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

Solar potential: ~1,797 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History