This home is in Jacksonville.

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Active Under Contract

Active Under Contract·20 days on market

4501 Ortega Farms Circle

Jacksonville, FL 32210

$1,475,000$309/sqftEst. $7,521/moMLS# 2153665

Beds

Baths

4,767

Sq Ft

1988

Built

Garage

Yes

Pool

About this home

Jacksonville

Spacious home on a beautiful Ortega River waterfront lot! One Owner. Featuring a garage apartment over an additional 3 car garage. The apartment has a murphy bed, range and oven, refrigerator, stacked washing machine and dryer, dishwasher, walk in closet and bathroom with shower. Bulkheaded with a boathouse with a lift previously for a 50 foot boat. Great home to entertain and a spectacular view from many rooms.

Cost to own

Mortgage calculator

Home Price

$1,475,000

Down Payment: 20%

$295,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$7,521

Principal & Interest: $7,521

Property taxes (est.): $2,408

Insurance (est.): $983

Estimated Total Monthly

$10,912

*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$7,521

Property taxesest. at asking price, Duval County$2,408

Estimated total, before insurance$9,929/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,484/yr · $1,124/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	$1,077,620	$709,222	—
2024	$1,081,213	$688,386	▲ $26,484
2023	$1,144,095	$666,734	▲ $59,625
2022	$1,044,855	$650,213	—
2021	$891,271	$629,804	▲ $45,623
2020	$826,445	$620,412	▼ $23,850

2025 property taxes (current owner): $13,484/yr

Estimated taxes if purchased at asking price: ~$28,900/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1988)

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

Likely septic

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: ~1,300 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 14, 2026Active Under Contract$1,475,000
Jul 3, 2026Listed$1,475,000

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

Features

Price$1,475,000

Price / Sq Ft$309

Bedrooms3

Bathrooms3.00

Full Baths2

Half Baths2

Square Footage4,767

Total Structure Area5,224 sq ft

Acres2.02 acres

Year Built1988

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages5

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontYes

Direction FacesSouth

Community Information

Address4501 Ortega Farms Circle, Jacksonville, FL 32210

Area055-Confederate Point/Ortega Farms

SubdivisionOrtega Farms

CityJacksonville

CountyDuval

StateFL

Zip Code32210

Lot Size87,991.2 sq ft

Lot Dimensions93x704x150x704

Parcel Number1030090000

ZoningResidential

Amenities

UtilitiesCable Available, Water Available

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Circular Driveway, Garage, Garage Door Opener

ViewRiver

Waterfront TypeRiver Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingAttic Fan, Central Air, Electric, Split System

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup

Window FeaturesSkylight(s)

SecuritySecurity Gate