This home is in Jacksonville.
$379,000Sold3 bd · 2 ba · 1,422 sq ft
Sold·Closed Oct 26, 2026·157 days on market·Recent sales in Jacksonville
4525 Water Oak Lane
Jacksonville, FL 32210
About this home
Jacksonville
Welcome home to this timeless mid-century home in Ortega Forest. Opportunities to own here are rare, and this beautifully maintained residence blends classic character with modern comfort. Step inside and you'll be greeted by abundant natural light and a view that draws your eye to the spacious backyard--complete with a covered patio perfect for summer play, gardening, or simply relaxing with a good book. Inside, the gorgeous hardwood floors and classic architectural details create a warm, welcoming atmosphere. The thoughtful layout offers easy flow between the living room, dining room, and a versatile sun porch. Need more space? The sun room could also be ideal as a playroom, home office, workout area or mud room.The charming galley kitchen is both efficient and updated, featuring a built-in doggie door for your four-legged friend.
Next steps in Jacksonville
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 (that applies to the reference bill above too).
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 1952)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (record)
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: ~1,603 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
19th Ave Nabout 19 mi · 15 parking spaces
Closest park or preserve
Tillie K. Fowler Regional Parkabout 2 mi · 4 mi of trails
Closest public boat ramp
Wayne B Stevens Parkabout 1 mi · Ortega River
Closest kayak & paddleboard launch
Seminole Park Paddlecraft Accessabout 0.7 mi · Ortega River
Closest youth league fields
Westside Middle School Parkabout 2 mi · Baseball, Softball, Football, Basketball, Soccer, Volleyball
Closest grocery store
Publixabout 1 mi · 4495 Roosevelt Blvd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $214,879 | $42,892 | — |
| 2024 | $214,342 | $40,976 | — |
| 2023 | $210,824 | $38,327 | — |
| 2022 | $205,859 | $35,755 | — |
| 2021 | $156,768 | $33,258 | — |
| 2020 | $143,327 | $32,109 | ▲ $5,700 |
2025 property taxes (current owner): $1,308/yr
Estimated taxes if purchased at asking price: ~$7,400/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
- Oct 26, 2026Closed$379,000
- Oct 24, 2026Pending$379,000
- Sep 25, 2026Active Under Contract$379,000
- Aug 5, 2026Price change$379,000−$9,000
- Apr 21, 2026Listed$388,000
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 $228/sq ft; this home is listed at $267/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4531 Milstead Road, Jacksonville, FL 32210Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $330,000 | $257 | 3/2 | 1,284 | 106 | 0.2 |
| 2721 Algonquin Avenue, Jacksonville, FL 32210Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $455,000 | $307 | 3/2 | 1,482 | 32 | 0.5 |
| 4313 Hiawatha Street, Jacksonville, FL 32210Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $355,000 | $228 | 3/1.5 | 1,556 | 66 | 0.6 |
| 4351 Davinci Avenue, Jacksonville, FL 32210Listed by NORVILLE REALTY INC | Oct 2026 | $300,000 | $227 | 3/1 | 1,322 | 0 | 1.1 |
| 5136 Big Forest Lane, Jacksonville, FL 32210Listed by HERRON REAL ESTATE LLC | Oct 2026 | $295,000 | $218 | 3/2 | 1,354 | 9 | 1.1 |
| 4616 Timuquana Road, Jacksonville, FL 32210Listed by EXP REALTY LLC | Nov 2026 | $167,000 | $134 | 3/1 | 1,250 | 101 | 1.2 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COWFORD REALTY & DESIGN LLC
Sold by: INI REALTY (buyer's brokerage)
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.
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Krista Fracke
Broker Associate
This home sold on Oct 26, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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