98 days on market (MLS)Condominium▼ Price cut: $10,000 (10/2)
$224,900
2-Bedroom Golf-Course Home in Villages Of San Jose
3820 Lavista Circle #103, Jacksonville, FL 32217
Condominium in Villages Of San Jose, Jacksonville · No CDD on record
Villages Of San Jose · Jacksonville, FL 32217 · Duval County
Listing data updated October 2, 2026 · refreshed hourly
2Bedrooms
2Bathrooms
1,330Sq Ft
1984Year Built
$169Per Sq Ft
WaterfrontNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
10% below
$/sq ft vs community
$169 here vs $187 median sold (12 mo)
Buyer leverage
Buyer advantage
98 days on market
4.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~12 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 2, 2026, 3820 LAVISTA Circle #103 in Villages Of San Jose, Jacksonville is listed at $224,900 (1,330 sq ft, about $169 per sq ft). That is 29% below Villages Of San Jose's median closed sale of $317,000 over the last 12 months (102 recorded sales). It has been 98 days on market, longer than the community's typical 34 days to contract. Listing facts: built in 1984, waterfront, HOA dues of $672/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1984 · 42 yrs
1,330 sq ft of living area
98 days on market
HOA $672/mo (per listing)
Golf course communitySchool district: Duval County Public SchoolsCommunity built 1943–2026Persepolis Cafe · 3 min driveDinosaur Asian Supermarket · 4 min driveNathan Krestul Park · 4 min drive
Listing description
About this home
Embrace peaceful waterfront living in this well maintained, ground-floor, move-in-ready condo within Villages of San Jose! Seller's conventional mortgage at 3.875% may be assumable for qualified buyers making this a rare opportunity. Enjoy the water & fountain views from the master bedroom, living room, kitchen and screened in patio.
Open concept living and dining area filled with natural light and newer flooring throughout. The kitchen has all new appliances (2 yrs old) semi-updated cabinets, stainless steel refrigerator and a sunny breakfast nook. The spacious master suite includes a large walk-in closet, in-suite bath, double sink, jacuzzi tub and shower.
Overlooking the water, the private screened in patio features a cooking top, sink, beverage fridge - perfect for a relaxing evening or entertaining. Residents enjoy resort-style amenities, 2 beautiful inground pools, all exterior maintenance included, tennis courts and 24-hour guard-gated security.
All 39 photos
Description provided by ROUND TABLE REALTY and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$224,900
Bed / bath2 / 2
Living area1,330 sq ft
Year built1984
Property typeCondominium
MLS #2150850
Listing status98 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~12 ft
CountyDuval
Area listings42 active · 14 under contract
Estimated first-year tax~$3,125/yr
CDD assessmentNone on record
HOA$672/mo
Calculated estimates
Price per sq ft$169
Estimated monthly payment$2,285
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$317,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,285/mo
Principal & interest $1,231/mo54%
Taxes $260/mo11%
Insurance $122/mo5%
HOA $672/mo29%
$2,285/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Duval County rate (17.86 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $2,000/yr ($167/mo) — taxable value $111,305 × 17.86 mills
$1,125 more each year
(+56%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$111,195
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$222,500
Market value
$162,027
Assessed
$111,305
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Duval County Property Appraiser 2025 final millage chart; Duval County School Board FY2025-26 adopted millage. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$672/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~12 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Duval County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Duval County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively High
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveRelatively High
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · San Jose Manor
Pricing & the San Jose Manor market
How this home is priced against recent nearby sales, and where San Jose Manor has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in San Jose Manor
Each dot is a closed sale since 2001 (2578 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $169/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 25 (cold).
Property timeline
This home’s history
1984BuiltPer public record
About Jun 2026Listed (per MLS)MLS reports 98 cumulative days on market as of October 2, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $249,900
Aug 4, 2026Price cut$239,900 (-$10,000, -4.0%)
Aug 18, 2026Price cut$234,900 (-$5,000, -2.1%)
Oct 2, 2026Price cut$224,900 (-$10,000, -4.3%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $224,900Momentum Realty · on market 98 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Duval County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Villages Of San Jose. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate™
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Duval County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 1,330 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 2, 2026.
Momentum Scores
Momentum Property Score
75/100
Strongest on: Affordability (98), Flood safety (90)
0 limited50100 exceptional
75/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area74
This home $169/sq ft vs the community 12-month median $187/sq ft.
Affordability98
List price $224,900 vs the community median $317,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~12 ft elevation. Verify the parcel with FEMA.
Insurance cost58
From FEMA Zone X and a 1984 build. Obtain a property-specific quote.
Market liquidity62
Community median 34 days on market, ~4.0 months of supply (12-month record).
Pricing power71
Recent sales closed at about 93.8% of original asking (~6.2% below). More room below asking generally favors buyers.
Market timing75
Momentum Market Heat is 25/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 4.0 months of supply in the surrounding market and 98 days on market for this home, against a 34-day area median.Days on market:this home 98Area median: 34 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 1, 2026.
🟡 Asking $169 per square foot, about 10% below the community’s $187 median. San Jose Manor’s 12-month median sold price per square foot is $187. Median sold price per square foot is down 2.5% year over year. Confidence: Very High · 102 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
74% of homes in San Jose Manor are owner-occupied. An estimated 26% are non-owner-occupied, including 9% held in a company or trust and 4% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 556 homes matched. Community-level context.
Recent San Jose Manor sales closed near 93.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 1, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: a golf-course community, one of only 42 active listings in San Jose Manor, no CDD assessment.
Updated October 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by ROUND TABLE REALTY · MLS # 2150850
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Keep looking
Similar homes for sale near Villages Of San Jose
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Apr 2026 · Infrastructure
Buckman Bridge joint replacement keeps weekend closures near the San Jose ramp
Crews replacing steel joints on the Buckman Bridge continued weekend closures of two of four northbound I-295 lanes between Mandarin and the Westside. The ramp from San Jose Boulevard to I-295 North also closed on those weekends, with drivers detoured via Old St. Augustine Road. The roughly $5.4 million project was expected to wrap up in summer 2026.
Why it matters: Weekend closures of the San Jose Boulevard to I-295 ramp could continue to affect drive-time access toward Clay County and the Westside until the joint work finishes.
Home Depot opens in the former Kmart space on San Jose Boulevard
The Home Depot opened a 132,975 square foot store at 9600 San Jose Boulevard, built on the 11.64-acre site of a former Kmart, with regular hours starting in mid-October 2025. The store includes a 25,074 square foot garden center, and the $8 million project was built by Ordner Construction. The retailer said it was adding about 40 associates.
Why it matters: A large home improvement anchor replacing a long-vacant big-box site could draw additional shopping traffic to the southern end of the San Jose corridor.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Duval County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEC
BeauclercAssigned elementary school · Duval County School District · Grade C (Florida DOE 2025-26)
Alfred DupontAssigned middle school · Duval County School District
GRADEA
Atlantic CoastAssigned high school · Duval County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Dinosaur Asian Supermarket 4 min
Dining
Persepolis Cafe 3 min
Shopping
Shoppes of San Jose 5 min
Parks
Nathan Krestul Park 4 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 3820 LAVISTA Circle #103, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1984 (42 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Duval County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 1,330 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,125/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,125 more per year than the current owner’s estimated bill (+56%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 2, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Duval County — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 3820 LAVISTA Circle #103 and when was it built?
Per the listing record, 3820 LAVISTA Circle #103 was built in 1984 and has 1,330 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3820 LAVISTA Circle #103 in?
3820 LAVISTA Circle #103 is in Villages Of San Jose in Jacksonville, Duval County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 3820 LAVISTA Circle #103 have an HOA, and how much are the dues?
The listing reports HOA dues of $672 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3820 LAVISTA Circle #103 differ from the current owner's?
The estimate on this page (about $3,125 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,125 more per year than the current owner’s estimated bill (+56%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3820 LAVISTA Circle #103 in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 3820 LAVISTA Circle #103 in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
