This home is in Terra Costa, Jacksonville — a home near Atlantic Coast High School.
Sold·Closed Oct 23, 2026·68 days on market·Recent sales in Terra Costa·Terra Costa
3108 Villa Vera Court
Jacksonville, FL 32246
5 more homes for sale in Terra Costa →Search Terra Costa on the map
About this home
Terra Costa
OPEN HOUSE SUNDAY 4 Oct 2026. SUPER Cute and Serene Pond View. Terra Costa beauty at its finest. Grab your Agent & do not miss this opportunity for a TOTALLY move-in ready home in the very Heart of Jacksonville. Superior Location in Jacksonville. Upgrades you did not even know you needed. GARAGE...fully foam insulated in attic and door, mini-split in place so ''climate controlled''. Park your car, use for extra living or work space. RARE opportunity. All NEW flooring (no carpet), New fans & lighting, Plenty of storage. Gas valve installed for grill on lanai. Sunshade on lanai.. Plantation shutters throughout. Split bedrooms & separate laundry room with HVAC easy access in closet. Easy maintenance living. The special surprise is how peaceful and serene the back lanai is. Well maintained pond with NO neighbors across to disturb your privacy. Small park area at end of cul-de-sac for pet walking.
Next steps in Terra Costa
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
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 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,757 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
13th Ave Nabout 5 mi · 25 parking spaces
Closest park or preserve
Dutton Island Preserve17 min drive · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 5 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dockabout 2 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Patton Park7 min drive · Soccer
Closest grocery store
Walmart Supercenter6 min drive · 13490 Beach Boulevard, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,241/yr
Estimated taxes if purchased at asking price: ~$9,000/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.
History
Price & status history
- Oct 23, 2026Closed$468,000
- Oct 6, 2026Active Under Contract$468,000
- Oct 1, 2026Price change$468,000−$6,900
- 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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $209/sq ft; this home is listed at $309/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3518 Nightscape Circle, Jacksonville, FL 32224Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $225,000 | $209 | 2/2.5 | 1,078 | 39 | 0.3 |
| 13364 Beach Boulevard 913, Jacksonville, FL 32224Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $245,000 | $176 | 3/2 | 1,394 | 99 | 0.4 |
| 3640 Summerlin Lane, Jacksonville, FL 32224Listed by FLORIDA LIFE REALTY AND INVESTMENTS, LLC. | Sep 2026 | $220,000 | $205 | 2/2.5 | 1,074 | 11 | 0.4 |
| 13461 Stone Pond Drive, Jacksonville, FL 32224Listed by PONTE VEDRA CLUB REALTY, INC. | Aug 2026 | $356,500 | $218 | 3/2.5 | 1,632 | 16 | 0.4 |
| 3694 Summerlin Lane, Jacksonville, FL 32224Listed by ZEE LUXE REALTY INC | Aug 2026 | $227,000 | $211 | 2/2.5 | 1,074 | 147 | 0.4 |
| 13364 Beach Boulevard 430, Jacksonville, FL 32224Listed by RE/MAX SPECIALISTS PV | Aug 2026 | $215,000 | $132 | 3/2 | 1,623 | 28 | 0.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Sold by: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Terra Costa
Terra Costa is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.
View all Terra Costa homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 23, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines