This home is in Terra Costa, Jacksonville — a gated community home in Jacksonville.
Sold·Closed Jun 22, 2026·24 days on market·Recent sales in Terra Costa·Terra Costa
3009 Lucena Lane
Jacksonville, FL 32246
5 more homes for sale in Terra Costa →Search Terra Costa on the map
About this home
Terra Costa
Welcome to this beautifully maintained, move in ready home built by CalAtlantic with 2 bedrooms, a flex room (now an office) & 2 bathrooms, designed for both comfort & style. The home offers LV-wood look floors throughout living area,tile in primary bathroom, laundry room & carpet in the bedrooms.The open layout features 10ft ceilings, kitchen has gas appliances, a center island, plenty of room for gathering with family & friends. Step outside to relax on covered back porch, perfect for enjoying AM coffee or PM libation. For added convenience the home includes a water softener,refrigerator,washer & dryer. Residents enjoy access to the community amenities, including clubhouse, covered patio with tables & chairs, 2 swimming pools, children's playground,Bocce ball court & a putting green. Lawn care is also covered by the HOA, offering a low maintenance lifestyle. Location is near shopping, dining, Mayo Clinic, Baptist Beaches Hospital, UNF,St Johns Twn Ctr & just minutes to the beach.
Next steps in Terra Costa
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2017)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,786 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 homeThis 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $396,842 | $184,712 | — |
| 2024 | $383,209 | $178,799 | — |
| 2023 | $395,218 | $172,135 | — |
| 2022 | $323,634 | $165,666 | ▼ $4,923 |
| 2021 | $276,762 | $159,385 | — |
| 2020 | $261,317 | $156,495 | — |
2025 property taxes (current owner): $3,794/yr
Estimated taxes if purchased at asking price: ~$9,300/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 $279/sq ft; this home is listed at $331/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12887 Bentwater Drive, Jacksonville, FL 32246Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $420,000 | $286 | 3/2 | 1,469 | 29 | 0.7 |
| 13015 Bentwater Drive, Jacksonville, FL 32246Listed by FUTURE HOME REALTY INC | Sep 2026 | $379,000 | $210 | 3/2 | 1,805 | 106 | 0.8 |
| 2494 The Woods Drive E, Jacksonville, FL 32246Listed by MOMENTUM REALTY | Sep 2026 | $435,455 | $235 | 3/2 | 1,850 | 2 | 1 |
| 12744 Marsh Cove Drive S, Jacksonville, FL 32224Listed by MOMENTUM REALTY | Sep 2026 | $420,000 | $279 | 3/2 | 1,508 | 5 | 1.1 |
| 2488 Snowy Egret Drive, Jacksonville, FL 32224Listed by REAL BROKER LLC | Aug 2026 | $467,000 | $246 | 4/2 | 1,900 | 1 | 1.1 |
| 13253 Mendenhall Place, Jacksonville, FL 32224Listed by COMPASS FLORIDA LLC | Oct 2026 | $392,750 | $302 | 3/2 | 1,301 | 97 | 1.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: JPAR CITY AND BEACH
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 Terra Costa
Terra Costa is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.
View all Terra Costa homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 22, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines