This home is in Terra Costa, Jacksonville.
Active·90 days on market·Terra Costa
2865 Montilla Drive
Jacksonville, FL 32246
About this home
Terra Costa
Located in Terra Costa, a gated community with resort-style amenities and NO CDD fee, you're just minutes from the beaches, UNF, Mayo Clinic, and St. Johns Town Center, right in the heart of it all while still feeling tucked away.Step inside and you'll immediately notice how the home just flows. The open layout, paired with a wall of sliding glass doors, brings in tons of natural light and showcases peaceful lake and preserve views, true indoor/outdoor Florida living.The kitchen sits at the center of it all, featuring a massive quartz island, gas cooktop, upgraded finishes, and a walk-in pantry that actually works for real storage. Whether you're hosting or just enjoying a night in, this space was built to be used. With 3 bedrooms, 4.5 bathrooms, plus a loft and bonus space, you've got the flexibility for entertaining, working from home, or creating separate living areas that fit your lifestyle
Cost to own
Mortgage calculator
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, 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 | $630,391 | $417,265 | — |
| 2024 | $609,476 | $404,798 | — |
| 2023 | $623,335 | $391,552 | — |
| 2022 | $546,074 | $378,692 | ▼ $28,994 |
| 2021 | $428,999 | $366,206 | — |
| 2020 | $410,460 | $360,460 | ▼ $10,000 |
2025 property taxes (current owner): $7,950/yr
Estimated taxes if purchased at asking price: ~$14,900/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 — 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: Shingle — year not disclosed (home built 2019)
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 homeInformational 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
Price & status history
- Jul 7, 2026Price change$759,000−$21,000
- Apr 17, 2026Listed$780,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Terra Costa
Terra Costa is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.
View all Terra Costa homes for sale →Listing Courtesy of: ELITE REALTY GROUP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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