$739,000
2865 MONTILLA Drive, Jacksonville, FL 32246
Terra Costa
- Price
- $739,000
- Beds / Baths
- 3 / 5
- Living area
- 3,157 sqft
- Year built
- 2019
- Type
- Residential
- Lot
- 0.25 ac
- Garage
- 2
- HOA
- $166/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Duval
- Days on market
- 140
- Elementary
- Kernan Trail
- Middle
- Kernan
- High school
- Atlantic Coast
$234/sqft asking, vs a $208/sqft median across 891 closed sales in 32246 over the last 12 months — 13% above the area's closed prices. Condition and lot vary; that's what a showing is for.
2.25% Loan Assumptions Opportunity for VA! Located in Terra Costa, a gated community with resort-style amenities and NO CDD fee, you're just minutes from the beaches, UNF, Mayo Clinic, and St. Johns Town Center, right in the heart of it all while still feeling tucked away.Step inside and you'll immediately notice how the home just flows. The open layout, paired with a wall of sliding glass doors, brings in tons of natural light and showcases peaceful lake and preserve views, true indoor/outdoor Florida living.The kitchen sits at the center of it all, featuring a massive quartz island, gas cooktop, upgraded finishes, and a walk-in pantry that actually works for real storage. Whether you're hosting or just enjoying a night in, this space was built to be used. With 3 bedrooms, 4.5 bathrooms, plus a loft and bonus space, you've got the flexibility for entertaining, working from home, or creating separate living areas that fit your lifestyle The primary suite is privately located on the first floor, offering dual walk-in closets, double vanities, and a large frameless shower that gives it that everyday retreat feel. Out back, the extended paver lanai sets the tone,morning coffee, evening wind-downs, all overlooking a private backyard with water and preserve views.This one checks all the boxes,space, location, and lifestyle.
What to check on this one
- Verify exact flood zone designation and obtain elevation certificate if in AE/VE.
- Confirm roof age and get 4-point inspection due to potential insurer requirements.
- Review Terra Costa HOA documents, CC&Rs, and any rental restrictions.
- Verify HOA fees ($166/mo) are current; confirm no special assessments pending.
- Pull recent property tax records and confirm CDD fee status is truly $0.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $591,200 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of ELITE REALTY GROUP. Data via realMLS (Northeast Florida MLS), updated Sep 2, 2026, 12:53 PM.
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