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 Villages Of San Jose, Jacksonville.

1 / 24

Active

Active·45 days on market·Villages Of San Jose

3809 Lavista Circle 210

Jacksonville, FL 32217

$288,900$257/sqftEst. $1,485/moMLS# 2155453

Beds

Baths

1,125

Sq Ft

1984

Built

—

Garage

Pool

About this home

Villages Of San Jose

This beautifully renovated 2-bedroom, 2-bath ground-floor condo in the gated Candelero Court at Villages of San Jose includes 1,125 square feet of stylish, low-maintenance living. The updated kitchen features new cabinetry with undercabinet lighting, quartz countertops, premium Whirlpool appliances, a beverage center, and Moen faucets. Mohawk laminate wood flooring flows throughout, with plantation shutters and roller shades adding a polished touch. The primary suite includes a walk-in shower, custom built-ins, and an oversized vanity. The home has been completely re-plumbed and includes a SimpliSafe alarm, WaterCop Pro leak detection, and Maytag washer and dryer. Wired for Xfinity and IQ Fiber, it's as tech-ready as it is comfortable. Enjoy views of the tennis and pickleball courts, two parking spaces, and a pet-friendly pool community.

Cost to own

Mortgage calculator

Home Price

$288,900

Down Payment: 20%

$57,780

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,485

Principal & Interest: $1,485

Property taxes (est.): $472

Insurance (est.): $193

Estimated Total Monthly

$2,150

*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$1,485

Property taxesest. at asking price, Duval County$472

HOAbilled monthly$500

Estimated total, before insurance$2,457/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,001/yr · $250/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): $3,001/yr

Estimated taxes if purchased at asking price: ~$5,700/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 D

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

Roof: material not specified — year not disclosed (home built 1984)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,765 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