This home is in Terra Costa, Jacksonville — a waterfront home in Jacksonville.
Sold·Closed Sep 11, 2026·110 days on market·Recent sales in Terra Costa·Terra Costa
2955 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 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.
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.
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Cost to own
Mortgage calculator
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 homeAs 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.
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: ~$11,700/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
- Sep 11, 2026Closed$599,000
- Aug 26, 2026Pending$599,000
- Aug 19, 2026Active Under Contract$599,000
- Jul 18, 2026Price change$599,000−$10,000
- May 1, 2026Listed$609,000
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 $196/sq ft; this home is listed at $285/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2950 Lucena Lane, Jacksonville, FL 32246Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jun 2026 | $625,000 | $295 | 3/2 | 2,116 | 12 | 0 |
| 13364 Beach Boulevard 430, Jacksonville, FL 32224Listed by RE/MAX SPECIALISTS PV | Aug 2026 | $215,000 | $132 | 3/2 | 1,623 | 28 | 0.6 |
| 13461 Stone Pond Drive, Jacksonville, FL 32224Listed by PONTE VEDRA CLUB REALTY, INC. | Aug 2026 | $356,500 | $218 | 3/2.5 | 1,632 | 16 | 0.6 |
| 13349 Stone Pond Drive, Jacksonville, FL 32224Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $330,000 | $196 | 3/2.5 | 1,682 | 28 | 0.6 |
| 13364 Beach Boulevard 335, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Jul 2026 | $243,000 | $150 | 3/2 | 1,623 | 27 | 0.6 |
| 13529 Stone Pond Drive, Jacksonville, FL 32224Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $295,000 | $190 | 2/2.5 | 1,550 | 54 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX SPECIALISTS
Sold by: WEICHERT REALTORS COASTAL CITY (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.
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
More homes in Terra Costa
Pending2992 Lucena LaneJacksonville, FL 32246
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Under Contract13460 Nogal LaneJacksonville, FL 32246
3 bd · 2.5 ba · 2,499 sq ft
$674,000Est. $3,587/moWelcome to Terra Costa, a gated community conveniently located near Jacksonville's beaches, shopping, dining and major…
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Under Contract3108 Villa Vera CourtJacksonville, FL 32246
3 bd · 2 ba · 1,515 sq ft
$468,000Est. $2,491/moOPEN HOUSE SUNDAY 4 Oct 2026. SUPER Cute and Serene Pond View. Terra Costa beauty at its finest. Grab your Agent & do…
Listing Office: florida homes realty & mtg llc
Under Contract2926 Montilla DriveJacksonville, FL 32246
5 bd · 5.5 ba · 4,077 sq ft
$995,000Est. $5,296/moLOCATION, SPACE & FLORIDA LIVING -- this spacious Terra Costa home delivers it all! Located in a desirable gated…
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 11, 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