Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·93 days on market

13525 Isla Vista Drive

Jacksonville, FL 32224

$529,900$236/sqftEst. $2,702/moMLS# 2143191

Beds

Baths

2,247

Sq Ft

2007

Built

Garage

Pool

About this home

Jacksonville

NEW LOW PRICE - Save money for your desired updates! *OPEN HOUSE Saturday, July 18th, 11AM-2PM.* Welcome to this beautifully maintained Murella floor plan in the desirable Vizcaya community! As the largest layout in the neighborhood, this spacious townhome offers 3 bedrooms, 2.5 bathrooms, and a 2-car garage. The open-concept main level features soaring ceilings, hardwood flooring, a bright living and dining area, and a convenient first-floor owner's suite. The kitchen opens seamlessly to the main living space and features a brand-new backsplash. Upstairs, you'll find two additional bedrooms, a full bath, and a versatile loft perfect for a home office, media room, or flex space. Fresh interior paint throughout gives the home a clean, updated feel. Relax on the private covered lanai and enjoy low-maintenance living in a prime Jacksonville location close to shopping, dining, major roadways, and the beaches.

Cost to own

Mortgage calculator

Home Price

$529,900

Down Payment: 20%

$105,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,702

Principal & Interest: $2,702

Property taxes (est.): $865

Insurance (est.): $353

Estimated Total Monthly

$3,920

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.58% · 30yr$2,702

Property taxesest. at asking price, Duval County$865

HOAbilled monthly$315

Estimated total, before insurance$3,882/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,504/yr · $709/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, 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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$459,910	$459,910	▲ $33,177
2024	$427,618	$423,133	—
2023	$429,191	$384,667	▲ $34,345
2022	$378,514	$349,698	—
2021	$317,908	$317,908	—
2020	$312,682	$312,682	▲ $11,747

2025 property taxes (current owner): $8,504/yr

Estimated taxes if purchased at asking price: ~$10,400/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 2007)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,812 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

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 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.

History