This home is in Jacksonville.

1 / 71

Active Under Contract

Active Under Contract·24 days on market

4122 Water Oak Lane

Jacksonville, FL 32210

$775,000$229/sqftEst. $3,951/moMLS# 2151715

Beds

Baths

3,379

Sq Ft

1948

Built

Garage

Pool

About this home

Jacksonville

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

Cost to own

Mortgage calculator

Home Price

$775,000

Down Payment: 20%

$155,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,951

Principal & Interest: $3,951

Property taxes (est.): $1,265

Insurance (est.): $517

Estimated Total Monthly

$5,734

*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$3,951

Property taxesest. at asking price, Duval County$1,265

Estimated total, before insurance$5,217/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,654/yr · $471/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	$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: ~$15,200/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 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 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 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.

Features

Price$775,000

Price / Sq Ft$229

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage3,379

Acres0.55 acres

Year Built1948

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address4122 Water Oak Lane, Jacksonville, FL 32210

Area033-Ortega/Venetia

SubdivisionOrtega Forest

CityJacksonville

CountyDuval

StateFL

Zip Code32210

Lot Size23,958 sq ft

Parcel Number1007490000

Amenities

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingDetached, Garage, Other

ViewCity, River

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup