This home is in Ortega Forest, Jacksonville.
Sold·Closed Aug 12, 2026·13 days on market·Recent sales in Ortega Forest·Ortega Forest
4122 Water Oak Lane
Jacksonville, FL 32210
8 more homes for sale in Ortega Forest →Search Ortega Forest on the map
About this home
Ortega Forest
1/2 acre lot! Charming and spacious 3BR/3BA brick home on a quiet tree-lined street in the highly desirable historic Ortega neighborhood of Jacksonville. This beautiful residence has been intentionally designed with comfort and luxury in mind. Step into an open concept living space with sightlines to the formal dining area, kitchen, and a flexible entertaining space, all accented by an abundance of natural light. Tiled fireplace anchors the room. Kitchen is remodeled and features quartz counters, drop bar, new high-end stainless appliances, and refinished cabinets. The spacious master suite features walk-in closets, a cathedral ceiling, a private bath with tub and shower, and freshly installed plush carpet, all enhanced by beautiful natural lighting. Two additional bedrooms are served by convenient guest and hall baths, ideal for visitors or home office. Step outside into the expansive private back yard with a patio seating area, detached 2 car garage with power. Your dream home awaits
Next steps in Ortega Forest
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).
Mortgage calculator — adjust rate & down payment
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 1948)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Public water · JEA
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,069 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $572,004 | $286,175 | — |
| 2024 | $516,724 | $277,403 | ▲ $10,514 |
| 2023 | $495,711 | $267,867 | — |
| 2022 | $476,653 | $258,609 | — |
| 2021 | $404,860 | $249,621 | — |
| 2020 | $369,626 | $245,485 | ▲ $13,110 |
2025 property taxes (current owner): $5,654/yr
Estimated taxes if purchased at asking price: ~$14,700/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
- Aug 12, 2026Closed$775,000
- Jul 13, 2026Active Under Contract$775,000
- Jun 30, 2026Listed$775,000
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 $284/sq ft; this home is listed at $229/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4157 Water Oak Lane, Jacksonville, FL 32210Listed by X FACTOR SUCCESS REALTY | Sep 2026 | $700,000 | $223 | 5/3 | 3,146 | 8 | 0.1 |
| 4304 Sherwood Road, Jacksonville, FL 32210Listed by RE/MAX SPECIALISTS | Jun 2026 | $1,225,000 | $284 | 4/3.5 | 4,308 | 2 | 0.2 |
| 4422 McGirts Boulevard, Jacksonville, FL 32210Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $2,800,000 | $822 | 4/3.5 | 3,407 | 1 | 0.3 |
| 4737 Exeter Lane, Jacksonville, FL 32210Listed by MILLER & COMPANY REAL ESTATE | Oct 2026 | $950,000 | $273 | 4/4.5 | 3,480 | 9 | 0.5 |
| 4275 Baltic Street, Jacksonville, FL 32210Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $715,000 | $287 | 3/2.5 | 2,493 | 7 | 0.5 |
| 4226 Forest Park Road, Jacksonville, FL 32210Listed by MILLER & COMPANY REAL ESTATE | Jun 2026 | $995,000 | $251 | 5/4 | 3,968 | 55 | 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WHOLESALE REALTY LLC
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 Ortega Forest
Ortega Forest is a neighborhood in Jacksonville, FL (Duval County), ZIP 32210.
View all Ortega Forest homes for sale →Keep looking
More homes in Ortega Forest
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For Sale4719 Ivanhoe RoadJacksonville, FL 32210
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Under Contract4727 Verona AvenueJacksonville, FL 32210
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 12, 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
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