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This home is in Jacksonville — a gated community home in Jacksonville.

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Active

Active·54 days on market

3670 Casitas Drive

Jacksonville, FL 32224

$469,000$232/sqftEst. $2,409/moMLS# 2153249

Beds

Baths

2,019

Sq Ft

2010

Built

Garage

Pool

About this home

Jacksonville

BEAUTIFUL GATED TOWNHOME COMMUNITY OF VIZCAYA. Systems replaced in 2023: Hot Water Heater, HVAC Unit, Water Softener. This lovely townhome has been very well-maintained and in move-in ready condition. Enjoy the outstanding expansive Lake view. This view can be seen from all rooms on the lower level, Perfect for a tranquil and relaxing setting. This townhome has one of the larger lanai's for entertaining or just unwinding after a long day. Open floor plan with spacious living and dining rooms, Chef's kitchen has breakfast bar that can seat 5 or 6, granite counter tops, stainless appliances and 42'' cabinets. All bedrooms are located on the second floor. The primary bedroom and a guest bedroom have built-in shelving for adequate storage, garage has storage cabinets that will convey. This home also comes with storm shutters (sellers have never had to install) but they will convey. LOCATION, LOCATION, LOCATION...Less than 6 miles from lovely Neptune Beach and 15 min. to Mayo Clinic

Cost to own

Mortgage calculator

Home Price

$469,000

Down Payment: 20%

$93,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,409

Principal & Interest: $2,409

Property taxes (est.): $766

Insurance (est.): $313

Estimated Total Monthly

$3,487

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,409

Property taxesest. at asking price, Duval County$766

HOAbilled monthly$315

Estimated total, before insurance$3,489/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,770/yr · $647/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	$418,513	$418,513	▲ $29,250
2024	$390,894	$390,440	—
2023	$396,488	$354,946	▲ $31,091
2022	$350,747	$322,679	—
2021	$293,345	$293,345	—
2020	$288,353	$288,353	▲ $11,111

2025 property taxes (current owner): $7,770/yr

Estimated taxes if purchased at asking price: ~$9,200/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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Tile — year not disclosed (home built 2010)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,707 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