This home is in Ortega Forest, Jacksonville.
$700,000Sold5 bd · 3 ba · 3,146 sq ft
Sold·Closed Sep 30, 2026·8 days on market·Recent sales in Ortega Forest·Ortega Forest
4157 Water Oak Lane
Jacksonville, FL 32210
8 more homes for sale in Ortega Forest →Search Ortega Forest on the map
About this home
Ortega Forest
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.
Next steps in Ortega Forest
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 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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
19th Ave Nabout 19 mi · 15 parking spaces
Closest park or preserve
Tillie K. Fowler Regional Park10 min drive · 4 mi of trails
Closest public boat ramp
Wayne B Stevens Parkabout 1 mi · Ortega River
Closest kayak & paddleboard launch
Seminole Park Paddlecraft Accessabout 0.5 mi · Ortega River
Closest youth league fields
Westside Middle School Park10 min drive · Baseball, Softball, Football, Basketball, Soccer, Volleyball
Closest grocery store
Publix5 min drive · 4495 Roosevelt Blvd, 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:40 AM, sunset 6:40 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
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: ~$13,700/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 (2025), NEFMLS.
History
Price & status history
- Oct 2, 2026Closed$715,000
- 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.
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 $273/sq ft; this home is listed at $223/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4122 Water Oak Lane, Jacksonville, FL 32210Listed by WHOLESALE REALTY LLC | Aug 2026 | $750,000 | $222 | 3/3 | 3,379 | 13 | 0.1 |
| 4422 McGirts Boulevard, Jacksonville, FL 32210Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $2,800,000 | $822 | 4/3.5 | 3,407 | 1 | 0.3 |
| 4275 Baltic Street, Jacksonville, FL 32210Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $715,000 | $287 | 3/2.5 | 2,493 | 7 | 0.4 |
| 4737 Exeter Lane, Jacksonville, FL 32210Listed by MILLER & COMPANY REAL ESTATE | Oct 2026 | $950,000 | $273 | 4/4.5 | 3,480 | 9 | 0.5 |
| 4226 Forest Park Road, Jacksonville, FL 32210Listed by MILLER & COMPANY REAL ESTATE | Jun 2026 | $995,000 | $251 | 5/4 | 3,968 | 55 | 0.6 |
| 4768 Queen Lane, Jacksonville, FL 32210Listed by WATSON REALTY CORP | Jun 2026 | $480,000 | $198 | 3/2.5 | 2,422 | 125 | 0.7 |
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: X FACTOR SUCCESS REALTY
Sold by: NORVILLE REALTY INC (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 Ortega Forest
Ortega Forest is a neighborhood in Jacksonville, FL (Duval County), ZIP 32210.
View all Ortega Forest homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 30, 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.
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