This home is in Terra Costa, Jacksonville — a gated community home in Jacksonville.
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Active·Listed today·Terra Costa
13460 Nogal Lane
Jacksonville, FL 32246
About this home
Terra Costa
Welcome to Terra Costa, a gated community conveniently located near Jacksonville's beaches, shopping, dining and major roadways. This one-story home offers 3 bedrooms, 2.5 baths, an office/flex room and an open floor plan designed for comfortable everyday living. The travertine and stucco exterior and tile roof complement the home's Mediterranean-inspired design. Inside, tall ceilings and wood-look tile flooring extend through the main living areas. Two secondary bedrooms share a Jack-and-Jill bath, while a separate office/flex room with glass French doors provides additional space for working from home or hobbies. The kitchen features quartz countertops, a large center island with sink, abundant cabinetry and plenty of workspace, and opens directly to the main living area. Sliding glass doors lead to the covered lanai and backyard, with a pleasant view of the nearby lake. The primary suite is privately located away from the secondary bedrooms and includes a generously sized bath and
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
2025 property taxes (current owner): $9,543/yr
Estimated taxes if purchased at asking price: ~$13,200/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 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,754 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 homeThis 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 16, 2026Active$674,000
- Sep 11, 2026Listed$674,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Terra Costa
Terra Costa is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.
View all Terra Costa homes for sale →Listing Courtesy of: HERRON REAL ESTATE LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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