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 Tamaya, Jacksonville — a gated community home in Jacksonville.

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Active

Active·Listed today·Tamaya

12740 Costas Way

Jacksonville, FL 32246

$815,000$293/sqftEst. $4,190/moMLS# 2163008

Beds

Baths

2,783

Sq Ft

2022

Built

Garage

Pool

About this home

Tamaya

Welcome to luxury living in the highly desirable Tamaya community! This like-new Santa Rosa floor plan offers 4 bedrooms, 3.5 baths, a spacious loft, and abundant living space. The first-floor primary suite provides a private retreat with a luxurious ensuite bath. The gourmet kitchen features a large center island, top-of-the-line appliances, pantry, and an open layout that flows seamlessly into the dining and living areas. Enjoy two first-floor living spaces, a large interior laundry room, fireplace, and covered lanai--perfect for relaxing or entertaining. Upstairs, you'll find additional bedrooms, a versatile loft, and a private bedroom with balcony and full bath that can serve as a guest suite or second primary retreat. Tamaya amenities include a clubhouse, resort-style pool, tennis, playground, and fitness room.

Cost to own

Mortgage calculator

Home Price

$815,000

Down Payment: 20%

$163,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,190

Principal & Interest: $4,190

Property taxes (est.): $1,331

Insurance (est.): $543

Estimated Total Monthly

$6,064

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$4,190

Property taxesest. at asking price, Duval County$1,331

HOAbilled annually$17

Estimated total, before insurance$5,537/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,049/yr · $1,504/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): $18,049/yr

Estimated taxes if purchased at asking price: ~$16,000/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Tile — year not disclosed (home built 2022)

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

Solar potential: ~1,797 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

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 2, 2026Listed$815,000

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

Features

Price$815,000

Price / Sq Ft$293

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,783

Acres0.15 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleSpanish

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryKernan Trail

MiddleKernan

HighAtlantic Coast

Community Information

Address12740 Costas Way, Jacksonville, FL 32246

Area025-Intracoastal West-North Of Beach Blvd

SubdivisionIsabella At Tamaya

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size6,534 sq ft

Parcel Number1652821210

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Jogging Path, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

SecurityGated with Guard, Security System Owned, Smoke Detector(s)