Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Terra Costa, Jacksonville — a gated community home in Jacksonville.

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Active Under Contract

Active Under Contract·45 days on market·Terra Costa

3169 Parador Way

Jacksonville, FL 32246

$1,075,000$296/sqftEst. $5,527/moMLS# 2155326

Beds

Baths

3,631

Sq Ft

2015

Built

Garage

Pool

About this home

Terra Costa

Backing to a private preserve in the sought-after gated Terra Costa community, this former CalAtlantic model home offers 3,644 square feet of thoughtfully designed living in one of Jacksonville's most desirable Southside locations. Move-in ready featuring four bedrooms, three full and two half baths, a first-floor primary suite, dedicated office, and spacious bonus room, the home's design balances everyday comfort with effortless entertaining. The open-concept design features rich wood flooring and a chef's kitchen with an oversized island, granite countertops, stacked cabinetry, tile backsplash, walk-in pantry, stainless steel appliances, natural gas cooktop, double wall ovens, and farmhouse sink. The first-floor primary suite includes a spa-inspired bath with dual vanities, tiled walk-in shower, and custom walk-in closet. Upstairs, a private guest suite and two additional bedrooms connected by a Jack-and-Jill bath provide flexible living for family and guests.

Cost to own

Mortgage calculator

Home Price

$1,075,000

Down Payment: 20%

$215,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,527

Principal & Interest: $5,527

Property taxes (est.): $1,755

Insurance (est.): $717

Estimated Total Monthly

$7,999

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$5,527

Property taxesest. at asking price, Duval County$1,755

HOAbilled monthly$143

Estimated total, before insurance$7,425/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,091/yr · $1,091/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

2025 property taxes (current owner): $13,091/yr

Estimated taxes if purchased at asking price: ~$21,100/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, 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 2015)

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

Solar potential: ~1,770 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

Aug 2, 2026Active Under Contract$1,075,000
Jul 14, 2026Listed$1,075,000

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

Features

Price$1,075,000

Price / Sq Ft$296

Bedrooms4

Bathrooms4.00

Full Baths3

Half Baths2

Square Footage3,631

Acres0.15 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryKernan Trail

MiddleKernan

HighAtlantic Coast

Community Information

Address3169 Parador Way, Jacksonville, FL 32246

Area025-Intracoastal West-North Of Beach Blvd

SubdivisionTerra Costa

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size6,534 sq ft

Lot Dimensions56x120x55x122

Parcel Number1669031130

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Gated, Park, Playground

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Electric Range, Gas Cooktop, Gas Water Heater, Microwave, Tankless Water Heater, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesFree Standing, Outside

# of Stories2

LevelsTwo

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

SecuritySecurity Gate, Security System Owned, Smoke Detector(s)