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 Jacksonville — a waterfront home in Jacksonville.

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Active

Active·2 days on market

2133 Mesa Grande Lane

Jacksonville, FL 32224

$392,500$294/sqftEst. $2,024/moMLS# 2158976

Beds

Baths

1,337

Sq Ft

1998

Built

Garage

Pool

About this home

Jacksonville

Experience comfortable living with an open layout highlighted by a beautifully updated kitchen featuring quartz countertops, white cabinetry, stainless steel appliances, and ample workspace. Major improvements include the roof and HVAC, both replaced in 2021. Luxury vinyl plank flooring flows throughout the home, complemented by fresh interior paint and ceiling fans for added comfort. Step outside to a fenced backyard overlooking the neighborhood lake, creating a peaceful setting for morning coffee or evening gatherings. Offering 3 bedrooms and 2 bathrooms, this home is located in the desirable San Pablo Creek community, just minutes from Jacksonville Beach, Atlantic Beach, Mayo Clinic, UNF, and Castaway Island Preserve. Enjoy quick access to JTB and I-295, with St. Johns Town Center, shopping, dining, golf courses, parks, and entertainment all nearby, making it easy to enjoy Jacksonville's coastal lifestyle. **Some Photos Have Been Virtually Staged***

Cost to own

Mortgage calculator

Home Price

$392,500

Down Payment: 20%

$78,500

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,024

Principal & Interest: $2,024

Property taxes (est.): $641

Insurance (est.): $262

Estimated Total Monthly

$2,927

*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$2,024

Property taxesest. at asking price, Duval County$641

HOAbilled annually$15

Estimated total, before insurance$2,680/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,431/yr · $536/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): $6,431/yr

Estimated taxes if purchased at asking price: ~$7,700/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 C

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

Roof: material not specified — year not disclosed (home built 1998)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,715 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