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.

1 / 49

Active

Active·62 days on market

3720 Casitas Drive

Jacksonville, FL 32224

$479,000$237/sqftEst. $2,442/moMLS# 2148138

Beds

Baths

2,019

Sq Ft

2008

Built

Garage

Pool

About this home

Jacksonville

Wake up to serene water views in this magnificent 3-bedroom, 2.5-bathroom townhome located in Jacksonville's highly sought-after, gated community of Vizcaya. Perfect for entertaining, the home features a gourmet galley kitchen equipped with premium 42-inch cabinetry, sleek stainless steel appliances, and gorgeous granite countertops that extend into the bathrooms. High-end 18''x18'' tile flows seamlessly through the foyer, laundry room, and the open-concept living and dining areas, while a spacious two-car garage adds ultimate convenience. Residents enjoy exclusive access to resort-style amenities--including a secure gated entry, elegant clubhouse, sparkling pool, and a fitness center--all for a low HOA fee of just $315/month. Combining peaceful vistas with a prime location, this property sits just minutes from pristine Jacksonville beaches and premium shopping at the St. Johns Town Center. Seller offering $5,000 credit with full price offer to buyers closing costs, repairs or updates.

Cost to own

Mortgage calculator

Home Price

$479,000

Down Payment: 20%

$95,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,442

Principal & Interest: $2,442

Property taxes (est.): $782

Insurance (est.): $319

Estimated Total Monthly

$3,544

*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$2,442

Property taxesest. at asking price, Duval County$782

HOAbilled monthly$315

Estimated total, before insurance$3,539/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,708/yr · $642/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	$415,030	$415,030	▲ $29,093
2024	$386,750	$385,325	—
2023	$391,054	$350,296	▲ $30,745
2022	$345,938	$318,451	—
2021	$289,501	$289,501	—
2020	$284,619	$284,619	▲ $10,933

2025 property taxes (current owner): $7,708/yr

Estimated taxes if purchased at asking price: ~$9,400/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 — 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 2008)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,760 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