This home is in Terra Costa, Jacksonville — a home near Atlantic Coast High School.
Active·Listed today·Terra Costa
3100 Lucena Lane
Jacksonville, FL 32246
4 more homes for sale in Terra Costa →Search Terra Costa on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Terra Costa
Move-in ready single story Mediterranean Villa in the gated and desirable community of Terra Costa features 3 bedrooms, 2 full bathrooms, and office/ flex space. This low-maintenance, luxury townhome is an open floor plan designed for effortless living with wood look tile throughout the main living areas and 2025 carpet in the bedrooms. The gourmet kitchen has granite countertops, KitchenAid stainless steel appliances, a gas cooktop with designer hood, combination wall oven & microwave, 42'' upper cabinets, wet bar & a walk-in pantry. A custom tile backsplash adds a designer touch, while the large island opens to the dining and family room, making it perfect for entertaining. The spacious living area highlighted by 10'-12' ceilings, coffered ceiling detail, and sliding glass doors that bring in abundant natural light while they showcase the tranquil preserve views. The doors lead to a screened-in lanai & extended paver patio, offering a private preserve view. 2025 Tankless water heater
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).
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.
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 2015)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,767 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.
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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:35 AM, sunset 6:45 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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): $6,299/yr
Estimated taxes if purchased at asking price: ~$12,100/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 24, 2026Listed$615,000
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 $218/sq ft; this home is listed at $270/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2955 Lucena Lane, Jacksonville, FL 32246Listed by RE/MAX SPECIALISTS | Sep 2026 | $595,000 | $283 | 3/2 | 2,104 | 110 | 0.2 |
| 2950 Lucena Lane, Jacksonville, FL 32246Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jun 2026 | $625,000 | $295 | 3/2 | 2,116 | 12 | 0.2 |
| 13461 Stone Pond Drive, Jacksonville, FL 32224Listed by PONTE VEDRA CLUB REALTY, INC. | Aug 2026 | $356,500 | $218 | 3/2.5 | 1,632 | 16 | 0.4 |
| 13349 Stone Pond Drive, Jacksonville, FL 32224Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $330,000 | $196 | 3/2.5 | 1,682 | 28 | 0.4 |
| 13364 Beach Boulevard 335, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Jul 2026 | $243,000 | $150 | 3/2 | 1,623 | 27 | 0.4 |
| 13364 Beach Boulevard 624, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Jun 2026 | $245,000 | $143 | 2/2 | 1,711 | 38 | 0.4 |
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: PONTE VEDRA CLUB REALTY, INC.
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
More homes in Terra Costa
Pending2992 Lucena LaneJacksonville, FL 32246
3 bd · 2.5 ba · 2,252 sq ft
$630,000Est. $3,353/moStunning townhome in Terra Costa! All one level, sleek sophistication, new finishes, modern concept. High ceilings,…
Listing Office: coldwell banker vanguard realty
Under Contract13460 Nogal LaneJacksonville, FL 32246
3 bd · 2.5 ba · 2,499 sq ft
$674,000Est. $3,587/moWelcome to Terra Costa, a gated community conveniently located near Jacksonville's beaches, shopping, dining and major…
Listing Office: herron real estate llc
Pending2926 Montilla DriveJacksonville, FL 32246
5 bd · 5.5 ba · 4,077 sq ft
$995,000Est. $5,296/moLOCATION, SPACE & FLORIDA LIVING -- this spacious Terra Costa home delivers it all! Located in a desirable gated…
Listing Office: re/max unlimited
For RentLease
3173 Montilla DriveJacksonville, FL 32246
3 bd · 2 ba · 1,991 sq ft
$3,495/moVERY NICE THREE BEDROOM HOME, TILE FLOORS THROUGHOUT. SCREENED PATIO WITH PAVER EXTENSION, FEATURES RETRACTABLE…
Listing Office: home finder realty corp of jax
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines