This home is in Terra Costa, Jacksonville — a gated community home in Jacksonville.
$995,000Sold5 bd · 5.5 ba · 4,077 sq ft
Sold·Closed Nov 6, 2026·27 days on market·Recent sales in Terra Costa·Terra Costa
2926 Montilla Drive
Jacksonville, FL 32246
3 more homes for sale in Terra Costa →Search Terra Costa on the map
About this home
Terra Costa
LOCATION, SPACE & FLORIDA LIVING -- this spacious Terra Costa home delivers it all! Located in a desirable gated Jacksonville community with resort-style amenities and NO CDD fee, this impressive 5-bedroom, 5.5-bath home offers more than 4,000 square feet of living space, a 3-car tandem garage, first-floor primary suite and exceptional indoor/outdoor living. Terra Costa offers a convenient location just minutes from Jacksonville's beaches, Mayo Clinic, UNF, St. Johns Town Center, shopping, dining and major roadways, while still providing the privacy and peaceful setting of a tucked-away gated community. Designed with room for everyone, the flexible floor plan includes formal living and dining spaces, an open-concept kitchen and family room, everyday dining area and a large upstairs loft/bonus room. The first floor features the spacious primary suite PLUS a secondary bedroom with its own en-suite bath--ideal for guests, multigenerational living or a private home office. Upstairs
Next steps in Terra Costa
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 E
Zone E evacuates after zones A, B, C, D in an approaching storm.
Roof: Concrete, Tile — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,805 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.
As 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
13th Ave Nabout 5 mi · 25 parking spaces
Closest park or preserve
Dutton Island Preserve17 min drive · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 5 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dockabout 2 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Patton Park7 min drive · Soccer
Closest grocery store
Walmart Supercenter6 min drive · 13490 Beach Boulevard, 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $9,692/yr
Estimated taxes if purchased at asking price: ~$19,500/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
- Nov 6, 2026Closed$995,000
- Oct 22, 2026Pending$995,000
- Oct 8, 2026Active Under Contract$995,000
- Sep 23, 2026Listed$995,000
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 $278/sq ft; this home is listed at $244/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2865 Montilla Drive, Jacksonville, FL 32246Listed by ELITE REALTY GROUP | Oct 2026 | $697,000 | $221 | 3/4.5 | 3,157 | 142 | 0.1 |
| 3169 Parador Way, Jacksonville, FL 32246Listed by KELLER WILLIAMS ST JOHNS | Aug 2026 | $1,030,000 | $284 | 4/4 | 3,631 | 19 | 0.2 |
| 3040 Montilla Drive, Jacksonville, FL 32246Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jun 2026 | $862,000 | $267 | 4/3.5 | 3,224 | 8 | 0.2 |
| 13540 Cheyne Road, Jacksonville, FL 32246Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $799,000 | $278 | 5/3 | 2,875 | 62 | 0.4 |
| 13124 Highland Glen Way E, Jacksonville, FL 32224Listed by INI REALTY | Jul 2026 | $760,000 | $249 | 4/3.5 | 3,049 | 58 | 0.5 |
| 13175 Wexford Hollow Road N, Jacksonville, FL 32224Listed by INI REALTY | Sep 2026 | $870,000 | $292 | 5/4.5 | 2,984 | 59 | 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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX UNLIMITED
Sold by: HOUSE & HAVEN (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 Terra Costa
Terra Costa is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.
View all Terra Costa homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Nov 6, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines