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Active·5 days on market

4654 Ortega Farms Circle

Jacksonville, FL 32210

$479,000$185/sqftEst. $2,470/moMLS# 2158275

Beds

Baths

2,586

Sq Ft

1984

Built

Garage

Pool

About this home

Jacksonville

Welcome to this one-of-a-kind home located on a quiet street in the Ortega Farms area of Jacksonville. Situated on a spacious corner lot beneath a beautiful canopy of mature oak trees. Enjoy River Views at near by Seminole Canoe and Kayak Club and Wayne Stevens Boat Ramp. Step inside to a dramatic two-story foyer that flows into a light-filled living room featuring vaulted ceilings, rich hardwood floors, and a striking stone fireplace. Enjoy the updated kitchen, renovated in 2020, with a large central island, granite countertops, and an eat-in dining area perfect for casual meals. A separate formal dining room offers space for entertaining guests. Two bedrooms and a full bathroom on the main floor, ideal for guests or a home office setup. Upstairs, the private primary suite boasts its own loft space and a private balcony. Step outside to enjoy true Florida outdoor living in the expansive backyard, complete with a paver patio and a charming pergola. Brand new roof in 2025 and AC 2022.

Cost to own

Mortgage calculator

Home Price

$479,000

Down Payment: 20%

$95,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,470

Principal & Interest: $2,470

Property taxes (est.): $782

Insurance (est.): $319

Estimated Total Monthly

$3,572

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,470

Property taxesest. at asking price, Duval County$782

Estimated total, before insurance$3,252/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,724/yr · $227/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

Year	Market value	Taxable value	Change
2025	$375,251	$119,045	▲ $4,603
2024	$371,811	$113,433	—
2023	$383,519	$107,071	▼ $35,327
2022	$400,830	$105,395	—
2021	$261,553	$99,399	—
2020	$250,918	$146,640	▲ $11,509

2024 property taxes (current owner): $2,724/yr

Estimated taxes if purchased at asking price: ~$9,400/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 (2025), 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,721 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 August 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 3, 2026Listed$479,000

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

Features

Price$479,000

Price / Sq Ft$185

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,586

Acres0.29 acres

Year Built1984

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTimucuan

MiddleLake Shore

HighWestside High School

Community Information

Address4654 Ortega Farms Circle, Jacksonville, FL 32210

Area055-Confederate Point/Ortega Farms

SubdivisionOrtega Farms

CityJacksonville

CountyDuval

StateFL

Zip Code32210

Lot Size12,632.4 sq ft

Parcel Number1038480020

Amenities

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingCircular Driveway, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s)

AppliancesDishwasher, Double Oven, Dryer, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity System Owned

Exterior

Exterior FeaturesBalcony

Lot DescriptionCorner Lot

Patio / PorchPatio

FencingBack Yard, Wood

RoofShingle

ConstructionWood Siding

Other StructuresGazebo

Additional Information

Date ListedAugust 3, 2026

Days on Market0

Tax Amount$2,724.18

Tax Year2024

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

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