This home is in Terra Costa, Jacksonville.

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Active

Active·76 days on market·Terra Costa

2955 Lucena Lane

Jacksonville, FL 32246

$609,000$289/sqftEst. $3,241/moMLS# 2143092

Beds

Baths

2,104

Sq Ft

2019

Built

Garage

Pool

About this home

Terra Costa

Welcome to luxury living in the gated community of Terra Costa! This beautifully maintained 3 bedroom, 2 bathroom home sits on a peaceful water view lot and offers the perfect blend of comfort and low-maintenance living. Inside, you'll find hardwood floors throughout the main living areas, volume ceilings, and an open-concept layout filled with natural light. The spacious kitchen flows seamlessly into the breakfast area and large great room, making it ideal for everyday living and entertaining. It features stainless steel appliances, granite countertops, and ample cabinet space. The split bedroom floorplan provides privacy, with a generous owner's suite offering a spa-like bath with dual vanities, a large walk-in shower, and a walk-in closet. Secondary bedrooms are comfortably sized with carpet, while the main living spaces showcase beautiful wood flooring. Additional highlights include a laundry room with washer and dryer included, and a layout designed for easy living.

Cost to own

Mortgage calculator

Home Price

$609,000

Down Payment: 20%

$121,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,095

Principal & Interest: $3,095

Est. Taxes & Insurance: $774

Estimated Total Monthly

$3,869

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$3,241

Property taxesest. at asking price, Duval County$994

HOAbilled monthly$417

Estimated total, before insurance$4,653/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

Last sold: $560,000 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$489,460	$438,738	—
2024	$476,249	$426,249	—
2023	$496,392	$496,392	—
2022	$406,548	$382,119	▼ $9,895
2021	$347,381	$347,381	—
2020	$325,080	$275,080	—

Estimated taxes if purchased at asking price: ~$11,900/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: Tile — year not disclosed (home built 2019)

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

Solar potential: ~1,776 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

Price & status history

May 1, 2026Listed$609,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$609,000

Price / Sq Ft$289

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,104

Acres0.27 acres

Year Built2019

TypeResidential

Sub-TypeTownhouse

StyleVilla

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryKernan Trail

MiddleKernan

Community Information

Address2955 Lucena Lane, Jacksonville, FL 32246

Area025-Intracoastal West-North Of Beach Blvd

SubdivisionTerra Costa

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size11,761.2 sq ft

Parcel Number1669030930

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Gated, Maintenance Grounds, Trash

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Gated

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)