This home is in Jacksonville — a pool home in Jacksonville.
$1,745,000Active Under Contract3 bd · 3 ba · 2,628 sq ft
Active Under Contract·47 days on market
4537 Ortega Farms Circle
Jacksonville, FL 32210
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About this home
Jacksonville
This one is special. A phenomenal, beautifully renovated home on a 1.2-acre riverfront lot on the Ortega River. Built with solid block construction and taken through a major renovation beginning in 2017, this property offers fully updated systems throughout--including electrical, plumbing and sewer lines, windows, kitchen, baths, roof, and an in-ground pool with a full summer kitchen. The outdoor upgrades are just as impressive: a new dock, new boat lift, and new bulkhead create a turnkey waterfront lifestyle. This is truly a move-in-and-enjoy situation. The property is expertly maintained and the lot is huge, high, and dry, offering room for additional guest houses, a 3+ car garage, or whatever your needs may be. The eastern exposure across the backyard delivers gorgeous morning light with evening shade and peaceful river views. Come see why Ortega Farms is so special. Open House 9/26.
Next steps in Jacksonville
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Mostly Zone X: 96% of this 1.3-acre lot is outside FEMA's high-risk flood zones
A small edge touches Zone AE (4%). Lenders decide flood insurance by where the house itself stands; the lender's flood determination, a survey or an elevation certificate settles that.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1974)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,604 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 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 20 mi · 15 parking spaces
Closest park or preserve
Tillie K. Fowler Regional Parkabout 2 mi · 4 mi of trails
Closest public boat ramp
Wayne B Stevens Parkabout 0.4 mi · Ortega River
Closest kayak & paddleboard launch
Seminole Park Paddlecraft Accessabout 1 mi · Ortega River
Closest youth league fields
Westside Middle School Parkabout 1 mi · Baseball, Softball, Football, Basketball, Soccer, Volleyball
Closest grocery store
Aldiabout 1 mi · 3538 Blanding 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
Southwest-facing backyard — long light and winter sunsets
The listing reports the home facing northeast, which puts the backyard and pool on the southwest side. Today at this address: sunrise 6:46 AM, sunset 5:35 PM.
- A pool here is warm and sunset-lit.
- The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
- Summer late-afternoons run hot, and shading the lanai’s west edge earns its keep.
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
2025 property taxes (current owner): $9,353/yr
Estimated taxes if purchased at asking price: ~$34,200/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.
History
Price & status history
- Oct 19, 2026Active Under Contract$1,745,000
- Sep 21, 2026Active$1,745,000
- Sep 12, 2026Listed$1,745,000
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 $222/sq ft; this home is listed at $664/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4727 Verona Avenue, Jacksonville, FL 32210Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $610,000 | $290 | 3/2 | 2,100 | 19 | 0.5 |
| 4412 Travelers Road, Jacksonville, FL 32210Listed by OPENDOOR BROKERAGE, LLC. | Aug 2026 | $345,000 | $130 | 4/2.5 | 2,663 | 9 | 0.6 |
| 5627 Ft Sumter Road, Jacksonville, FL 32210Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $379,000 | $165 | 3/2 | 2,300 | 12 | 0.7 |
| 4122 Water Oak Lane, Jacksonville, FL 32210Listed by WHOLESALE REALTY LLC | Aug 2026 | $750,000 | $222 | 3/3 | 3,379 | 13 | 0.7 |
| 4768 Queen Lane, Jacksonville, FL 32210Listed by WATSON REALTY CORP | Jun 2026 | $480,000 | $198 | 3/2.5 | 2,422 | 125 | 0.7 |
| 4157 Water Oak Lane, Jacksonville, FL 32210Listed by X FACTOR SUCCESS REALTY | Sep 2026 | $700,000 | $223 | 5/3 | 3,146 | 8 | 0.8 |
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: COLDWELL BANKER VANGUARD REALTY
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.
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Krista Fracke
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