This home is in Villages Of San Jose, Jacksonville — a waterfront home in Jacksonville.
Active·46 days on market·Villages Of San Jose
3820 Lavista Circle 103
Jacksonville, FL 32217
About this home
Villages Of San Jose
Embrace peaceful waterfront living in this well maintained, ground-floor, move-in-ready condo within Villages of San Jose! Seller's conventional mortgage at 3.875% may be assumable for qualified buyers making this a rare opportunity. Enjoy the water & fountain views from the master bedroom, living room, kitchen and screened in patio. Open concept living and dining area filled with natural light and newer flooring throughout. The kitchen has all new appliances (2 yrs old) semi-updated cabinets, stainless steel refrigerator and a sunny breakfast nook. The spacious master suite includes a large walk-in closet, in-suite bath, double sink, jacuzzi tub and shower. Overlooking the water, the private screened in patio features a cooking top, sink, beverage fridge - perfect for a relaxing evening or entertaining. Residents enjoy resort-style amenities, 2 beautiful inground pools, all exterior maintenance included, tennis courts and 24-hour guard-gated security.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $222,500 | $111,305 | — |
| 2024 | $212,000 | $107,461 | ▼ $4,000 |
| 2023 | $216,000 | $102,875 | — |
| 2022 | $178,500 | $98,423 | — |
| 2021 | $144,100 | $94,100 | — |
| 2020 | $144,100 | $137,500 | — |
2025 property taxes (current owner): $2,158/yr
Estimated taxes if purchased at asking price: ~$4,700/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.
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: material not specified — year not disclosed (home built 1984)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,768 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.
History
Price & status history
- Jul 22, 2026Price change$239,900−$10,000
- Jun 26, 2026Listed$249,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Villages Of San Jose
Villages Of San Jose is a neighborhood in Jacksonville, FL (Duval County), ZIP 32217.
View all Villages Of San Jose homes for sale →Listing Courtesy of: ROUND TABLE REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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