3108 Villa Vera Court

• • 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).

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.

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.

• Aug 9, 2026Price change$474,900−$7,100
• Jul 30, 2026Listed$482,000

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

• 

  Pending

  $630,000MLS# 2131325

  Est. $3,353/mo

  2992 Lucena Lane, Jacksonville, FL 32246

  3 Beds

  2.5 Baths

  2,252 sqft

  Stunning townhome in Terra Costa! All one level, sleek sophistication, new finishes, modern concept. High ceilings,…

  Residential

  COLDWELL BANKER VANGUARD REALTY
• 

  Active Under Contract

  $739,000MLS# 2140626

  Est. $3,933/mo

  2865 Montilla Drive, Jacksonville, FL 32246

  3 Beds

  4.5 Baths

  3,157 sqft

  2.25% Loan Assumptions Opportunity for VA! Located in Terra Costa, a gated community with resort-style amenities and NO…

  Residential

  ELITE REALTY GROUP
• Photos coming soon

  Active

  $4,300MLS# 2156715

  Est. $23/mo

  13461 Nogal Lane, Jacksonville, FL 32246

  3 Beds

  3 Baths

  2,339 sqft

  Enter the prestigious Terra Costa community. This stunning 3-bedroom, 3-bathroom residence with over 2,300 square feet…

  Residential

  KELLER WILLIAMS REALTY ATLANTIC PARTNERS
• 

  For Rent

  $3,495/moMLS# 2154081

  3173 Montilla Drive, Jacksonville, FL 32246

  3 Beds

  2 Baths

  1,991 sqft

  VERY NICE THREE BEDROOM HOME, TILE FLOORS THROUGHOUT. SCREENED PATIO WITH PAVER EXTENSION, FEATURES RETRACTABLE…

  Residential Lease

  HOME FINDER REALTY CORP OF JAX

• 

  Active Under Contract

  $399,000MLS# 2131466

  Est. $2,124/mo

  12071 Blackfoot Trail, Jacksonville, FL 32223

  4 Beds

  2 Baths

  2,446 sqft

  Residential

  CHAD AND SANDY REAL ESTATE GROUP

  in The Wilderness
• 

  Active

  $419,900MLS# 2141624

  Est. $2,235/mo

  9241 Winged Foot Lane, Jacksonville, FL 32256

  3 Beds

  2.5 Baths

  2,376 sqft

  Residential

  X FACTOR SUCCESS REALTY

  in Linkside At Baymeado

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