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

Active·6 days on market·Terra Costa

13461 Nogal Lane

Jacksonville, FL 32246

$4,300$2/sqftMLS# 2156715

Beds

Baths

2,339

Sq Ft

2018

Built

Garage

Pool

About this home

Terra Costa

Enter the prestigious Terra Costa community. This stunning 3-bedroom, 3-bathroom residence with over 2,300 square feet of space. Enter into a separate formal dining room. The home features exquisite wood plank tile flooring throughout all common areas and plush carpeting in the bedrooms. The heart of the home is the open concept floorplan and kitchen. Adorned with an abundance of cabinets that stretch to the ceiling, luxurious quartz countertops, and stainless steel appliances, this kitchen is as functional as it is beautiful. Terra Costa offers more than just a place to live - it's a lifestyle. Residents have access to a beautiful clubhouse, swimming pool, ensuring endless opportunities for leisure and enjoyment. Lawn care is taken care of by the landlord. Pets are welcome.

Cost to own

Mortgage calculator

Home Price

$4,300

Down Payment: 20%

$860

Interest Rate: 6.58%

Loan Term

Monthly Payment

$22

Principal & Interest: $22

Property taxes (est.): $7

Insurance (est.): $3

Estimated Total Monthly

$32

*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

Taxes & assessment

2025 property taxes (current owner): $9,677/yr

Estimated taxes if purchased at asking price: ~$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: material not specified — year not disclosed (home built 2018)

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

Solar potential: ~1,666 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