This home is in Jacksonville — a waterfront home in Jacksonville.
Active·7 days on market
13535 Montecito Place
Jacksonville, FL 32224
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Downstairs primary suite and wide lake views in gated Vizcaya! Enjoy views down the lake from the covered screened patio and primary bedroom. This Pulte Portofino townhome offers 3 bedrooms, 2.5 baths, a spacious loft and a 2-car garage. The primary suite features a tray ceiling, private bath and walk-in closet. Upstairs bedrooms and loft offer flexible space for guests, work or relaxation. The kitchen features staggered maple cabinets with crown molding, granite counters, a glass/stone backsplash and stainless steel appliances. Diagonal tile, plantation shutters, upgraded trim and granite bath counters add style. Additional features include a water softener, paver driveway, barrel tile roof and epoxy garage floor. AC replaced in 2022; water heater in 2025. Main-floor laundry; washer and dryer included. Gated Vizcaya offers a pool, clubhouse and fitness center, with convenient access to the beaches, St. Johns Town Center, shopping and dining.
Next steps in New Construction — 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.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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: Tile — year not disclosed (home built 2014)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,790 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 October 2026, 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.
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
Springhill Suitesabout 5 mi · 206 parking spaces
Closest park or preserve
Dutton Island Preserveabout 5 mi · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 6 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dockabout 2 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Patton Parkabout 1 mi · Soccer
Closest grocery store
Walmart Supercenterabout 0.3 mi · 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:33 AM, sunset 6:48 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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): $8,150/yr
Estimated taxes if purchased at asking price: ~$9,400/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 15, 2026Listed$479,000
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 $233/sq ft; this home is listed at $229/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 13451 Isla Vista Drive, Jacksonville, FL 32224Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $460,000 | $246 | 3/2.5 | 1,867 | 100 | 0.1 |
| 13525 Isla Vista Drive, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $508,500 | $226 | 3/2.5 | 2,247 | 81 | 0.1 |
| 13364 Beach Boulevard 324, Jacksonville, FL 32224Listed by THE LEGENDS OF REAL ESTATE | Aug 2026 | $263,000 | $154 | 3/2 | 1,711 | 2 | 0.1 |
| 13447 Isla Vista Drive, Jacksonville, FL 32224Listed by ROUND TABLE REALTY | Jul 2026 | $509,000 | $245 | 3/2.5 | 2,075 | 17 | 0.1 |
| 13364 Beach Boulevard 319, Jacksonville, FL 32224Listed by UNITED REAL ESTATE GALLERY | Jun 2026 | $270,000 | $158 | 3/2 | 1,711 | 5 | 0.1 |
| 3646 Casitas Drive, Jacksonville, FL 32224Listed by PHYLLIS STAINES, BROKER | Jun 2026 | $470,000 | $233 | 3/2.5 | 2,019 | 1 | 0.1 |
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: AMK NETWORK 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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