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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·43 days on market

7920 Vivera Court

Jacksonville, FL 32244

$385,000$182/sqftEst. $1,985/moMLS# 2152227

Beds

Baths

2,118

Sq Ft

1999

Built

Garage

Pool

About this home

Jacksonville

Beautifully updated brick-front home on a quiet cul-de-sac in desirable Ortega Bluff! There's so much to love about this 3 BR/2 BA, 2,118 SF home with a inviting foyer, flexible living and dining rooms, vaulted ceiling over open kitchen-family room floor plan with a wood-burning fireplace. The spacious primary suite with walk-in closet features an newly updated primary bath with garden tub and separate step-in glass-enclosed shower. Enjoy peaceful and enchanting views of the pond and nearby woods from the new rear wooden deck. Other recent improvements include a 2023 A/C system, fresh interior and exterior paint, new sod and landscaping with avocado and lemon trees, updated ceiling fans and light fixtures, outlets and switches, remodeled kitchen with new upper cabinets and refaced lowers, tile backsplash, new refrigerator, microwave and disposal (2026), and new washer and dryer (2025). Super-low HOA, no CDD.

Cost to own

Mortgage calculator

Home Price

$385,000

Down Payment: 20%

$77,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,985

Principal & Interest: $1,985

Property taxes (est.): $629

Insurance (est.): $257

Estimated Total Monthly

$2,871

*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$1,985

Property taxesest. at asking price, Duval County$629

HOAbilled annually$23

Estimated total, before insurance$2,637/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,415/yr · $368/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

Last sold: $339,900 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$269,745	$219,023	—
2024	$271,002	$271,002	▲ $8,948
2023	$268,800	$80,972	—
2022	$231,548	$77,158	—
2021	$189,381	$73,455	—
2020	$176,413	$71,751	▲ $15,857

2025 property taxes (current owner): $4,415/yr

Estimated taxes if purchased at asking price: ~$7,500/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1999)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,735 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 17, 2026Active Under Contract$385,000
Jun 24, 2026Listed$385,000

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

Features

Price$385,000

Price / Sq Ft$182

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,118

Acres0.28 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address7920 Vivera Court, Jacksonville, FL 32244

Area056-Yukon/Wesconnett/oak Hill

SubdivisionOrtega Bluff

CityJacksonville

CountyDuval

StateFL

Zip Code32244

Lot Size12,196.8 sq ft

Parcel Number0991351210

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Trees/Woods

Waterfront TypePond

Interior

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

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringLaminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)