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 Jacksonville — a home near Atlantic Coast High School.

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Active Under Contract

Active Under Contract·109 days on market

13451 Isla Vista Drive

Jacksonville, FL 32224

$454,999$244/sqftEst. $2,320/moMLS# 2140006

Beds

Baths

1,867

Sq Ft

2013

Built

Garage

Pool

About this home

Jacksonville

Welcome to Vizcaya... Low HOA! This townhome is beautifully maintained and nestled in one of Jacksonville's most desirable coastal communities. Ideally located just minutes from the beaches, Mayo Clinic, and premier shopping and dining. This home offers the perfect blend of convenience and lifestyle. Step inside to discover a light-filled, open-concept floor plan designed for both everyday living and effortless entertaining. The spacious living areas flow seamlessly, featuring high ceilings, elegant finishes, and large windows that bring in natural light. The kitchen serves as the heart of the home, offering ample cabinetry, generous counter space, and a layout perfect for gathering with family and friends. The primary suite provides a private retreat with a well-appointed en-suite bath and generous closet space. Hvac is 3 years old. Washer and Dryer Convey

Cost to own

Mortgage calculator

Home Price

$454,999

Down Payment: 20%

$91,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,320

Principal & Interest: $2,320

Property taxes (est.): $743

Insurance (est.): $303

Estimated Total Monthly

$3,366

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,320

Property taxesest. at asking price, Duval County$743

HOAbilled monthly$315

Estimated total, before insurance$3,378/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,775/yr · $398/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$406,355	$240,552	▲ $28,700
2024	$379,170	$233,066	—
2023	$383,501	$224,822	▲ $30,268
2022	$339,115	$216,818	—
2021	$283,924	$209,047	—
2020	$279,091	$205,471	▲ $10,663

2025 property taxes (current owner): $4,775/yr

Estimated taxes if purchased at asking price: ~$8,900/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 2013)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,787 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