This home is in Jacksonville.
Active Under Contract·13 days on market
4157 Water Oak Lane
Jacksonville, FL 32210
About this home
Jacksonville
Classic Ortega Forest character meets over $220k in major modern improvements! Set on a rare and private 0.72-acre lot beneath mature trees, this extensively improved home offers 3,146 SF, 5 bedrooms and 3 full baths--plus an additional approximately 800 SF detached building offering exceptional future potential. Beyond the beautiful cosmetic updates, the big-ticket improvements have already been addressed, including extensive foundation repairs, replacement of electrical and plumbing systems, and a new septic system. Additional improvements include a 2023 roof, 2026 HVAC compressor, stucco repairs, new driveway pad and landscaping. Enjoy a fenced backyard, gated front courtyard, 1-car garage, 1-car carport, shed and covered work area. A rare opportunity offering space, privacy, flexibility and future potential in desirable Ortega Forest! Please note that some of the photos have been virtually staged/created and are for ideas only.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $475,716 | $329,432 | — |
| 2024 | $430,079 | $304,648 | ▲ $8,666 |
| 2023 | $412,983 | $290,406 | — |
| 2022 | $397,111 | $214,376 | — |
| 2021 | $337,605 | $206,676 | — |
| 2020 | $308,686 | $203,133 | ▲ $10,816 |
2025 property taxes (current owner): $6,430/yr
Estimated taxes if purchased at asking price: ~$14,000/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 (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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — 2023 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely septic · Public water · JEA
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,484 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of September 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
- Sep 10, 2026Active Under Contract$715,000
- Sep 2, 2026Active$715,000
- Sep 1, 2026Listed$715,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: X FACTOR SUCCESS REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines