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This home is in Villages Of San Jose, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·47 days on market·Villages Of San Jose

3820 Lavista Circle 113

Jacksonville, FL 32217

$274,500$175/sqftEst. $1,416/moMLS# 2151549

Beds

Baths

1,567

Sq Ft

1984

Built

—

Garage

Pool

About this home

Villages Of San Jose

Villages of San Jose - 3820 Lavista Circle, #113, Jacksonville, FL 32217 Come see this 3 bedroom 2 bathroom condominium in the desirable gated community of the Villages of San Jose! This is a second floor property (elevator access) overlooking the lake with a view of one of the pools (there are two!) and clubhouse. Granite countertops, HVAC replaced in 2023, ceiling fans throughout, wood burning fireplace, 9ft ceilings, wet bar, large screened balcony (15ftx10ft), bathtub and shower in both bathrooms, elevator access, separate private storage unit (6ftx7ft), two reserved parking spaces (one covered) and guest parking, 24hour gate attendant, wood laminate flooring and tile throughout!

Cost to own

Mortgage calculator

Home Price

$274,500

Down Payment: 20%

$54,900

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,416

Principal & Interest: $1,416

Property taxes (est.): $448

Insurance (est.): $183

Estimated Total Monthly

$2,047

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,416

Property taxesest. at asking price, Duval County$448

HOAbilled monthly$672

Estimated total, before insurance$2,536/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$262,000	$206,278	—
2024	$255,000	$200,000	—
2023	$255,000	$200,000	—
2022	$210,000	$168,300	—
2021	$153,000	$153,000	—
2020	$107,100	$107,100	—

Estimated taxes if purchased at asking price: ~$5,400/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 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: ~1,577 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

Price & status history

Jul 8, 2026Price change$274,500−$25,495
Jun 20, 2026Listed$299,995

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

Features

Price$274,500

Price / Sq Ft$175

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,567

Year Built1984

TypeResidential

Sub-TypeCondominium

StatusActive

# of Carport Spaces1

Has PoolNo

Is WaterfrontYes

Community Information

Address3820 Lavista Circle 113, Jacksonville, FL 32217

Area012-San Jose

SubdivisionVillages Of San Jose

CityJacksonville

CountyDuval

StateFL

Zip Code32217

Parcel Number1518101026

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAdditional Parking, Assigned, Carport, Gated, Guest

Waterfront TypeLake Front

Interior

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1