Condominium in Ortega Yacht Club, Jacksonville · No CDD on record
Ortega Yacht Club · Jacksonville, FL 32210 · Duval County
Listing data updated October 1, 2026 · refreshed hourly
2Bedrooms
2Bathrooms
1,601Sq Ft
1983Year Built
$405Per 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.
135% above
$/sq ft vs community
$405 here vs $172 median sold (12 mo)
Buyer leverage
Balanced market
839 days on market
2.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~7 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 1, 2026, 4401 LAKESIDE Drive #903 in Ortega Yacht Club, Jacksonville is listed at $649,000 (1,601 sq ft, about $405 per sq ft). That is 138% above Ortega Yacht Club's median closed sale of $272,500 over the last 12 months (104 recorded sales). Per square foot it is above the community's recent $172/sq ft by about 135%. It has been 839 days on market, longer than the community's typical 38 days to contract. Listing facts: built in 1983, 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 1983 · 43 yrs
1,601 sq ft of living area
839 days on market
HOA $672/mo (per listing)
School district: Ortega address with Duval County Public SchoolsCommunity built 1913–2025Chipotle Mexican Grill · 2 min driveStinson Park · 2 min drivePanera Bread · 2 min drive
Listing description
About this home
A rare floor plan with million-dollar views! A million-dollar view --with all new window and door glass as of 4/30/26, for nearly half the price. Perched on the 9th floor of the Ortega Yacht Club, this updated 2-bedroom, 2-bath residence boasts one of the most sought-after floor plans in the building.
With a continuous balcony stretching the full length of the home -- one of only three units that retain the original design -- you can enjoy sweeping views from Lakeside to Avondale, Riverside, the downtown skyline, Old Ortega, and Ortega Forest. Whether entertaining or relaxing, the open layout and expansive balcony make indoor-outdoor living effortless. The spacious owner's suite features a private water closet, walk-in shower, and beautifully updated double vanity.
A wet bar, breakfast bar, and modern kitchen make gatherings a pleasure. This residence includes access to Ortega Yacht Club's resort-style riverfront pool, secured lobby, social spaces, and walkable neighborhood. Weekly happy hours and holiday gatherings offer a vibrant community experience, while privacy is always your choice.
Additional features: tankless water heater, in-unit laundry, guest parking, and HOA fees that cover water, sewer, trash, and building maintenance. With only 48 residences, Ortega Yacht Club offers exclusivity, comfort, and an unbeatable riverfront lifestyle. Listing Agent has lived in the building for over 10 years and Co-Listing Agent lived in the building for 2 years.
Realtors: We are available to accompany you and your clients on showings, to give a full showing of the generous grounds and amenities and to answer questions about the building and community. This has worked well in the past so why not give it a try? We respect your privacy and your clients.
All 71 photos
Description provided by NORVILLE REALTY INC 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$649,000
Bed / bath2 / 2
Living area1,601 sq ft
Year built1983
Property typeCondominium
MLS #2030548
Listing status839 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~7 ft
CountyDuval
Area listings28 active · 15 under contract
Estimated first-year tax~$10,700/yr
CDD assessmentNone on record
HOA$672/mo
Calculated estimates
Price per sq ft$405
Estimated monthly payment$5,380
Insurance (illustrative)$3k–$6k/yr
Comparable-sales median$272,500
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
$5,380/mo
Principal & interest $3,465/mo64%
Taxes $892/mo17%
Insurance $352/mo7%
HOA $672/mo12%
$5,380/mo at 20% down, 30-yr @ 7.03% · 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 $8,100/yr ($675/mo) — taxable value $454,000 × 17.86 mills
$2,600 more each year
(+32%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$454,000
Market value
$454,000
Assessed
$454,000
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)
$3k–$6k/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
~7 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 · Ortega Farms
Pricing & the Ortega Farms market
How this home is priced against recent nearby sales, and where Ortega Farms has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Ortega Farms
Each dot is a closed sale since 2001 (2240 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 $405/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 47 (normal).
Property timeline
This home’s history
1983BuiltPer public record
About Jun 2024Listed (per MLS)MLS reports 839 cumulative days on market as of October 1, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $649,000
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 $649,000Momentum Realty · on market 839 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
Only 1 closed sale within about 10 miles in Duval County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Sold Sep 2026
$790,000
4401 LAKESIDE Drive #804, Jacksonville
3 / 2.5 bd/ba · 2,024 sq ft · $390/sq ft
Courtesy of NORVILLE REALTY INC · View details →
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
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. Only 1 qualifies 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 1,601 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 1, 2026.
Momentum Scores
Momentum Property Score
48/100
Strongest on: Flood safety (90), Market liquidity (68)
0 limited50100 exceptional
48/100 is below average 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 area0
This home $405/sq ft vs the community 12-month median $172/sq ft.
Affordability0
List price $649,000 vs the community median $272,500. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~7 ft elevation. Verify the parcel with FEMA.
Insurance cost57
From FEMA Zone X and a 1983 build. Obtain a property-specific quote.
Market liquidity68
Community median 38 days on market, ~2.8 months of supply (12-month record).
Pricing power65
Recent sales closed at about 94.9% of original asking (~5.1% below). More room below asking generally favors buyers.
Market timing53
Momentum Market Heat is 47/100 (normal). 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
🟡 Balanced conditions around this listing. 2.8 months of supply in the surrounding market and 839 days on market for this home, against a 38-day area median.Days on market:this home 839Area median: 38 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 September 30, 2026.
🟡 Asking $405 per square foot, about 135% above the community’s $172 median. Ortega Farms’s 12-month median sold price per square foot is $172. Median sold price per square foot is up 6.4% year over year. Confidence: Very High · 104 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.
71% of homes in Ortega Farms are owner-occupied. An estimated 29% are non-owner-occupied, including 11% held in a company or trust and 8% 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), 577 homes matched. Community-level context.
Recent Ortega Farms sales closed near 94.9% 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 September 30, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 28 active listings in Ortega Farms, no CDD assessment.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by NORVILLE REALTY INC · MLS # 2030548
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Keep looking
Similar homes for sale near Ortega Yacht Club
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.
Jun 2026 · Schools
School Board to weigh surplus designation for Ortega Elementary
The Duval County School Board was set to vote on adding Ortega Elementary to the district surplus property list, a step toward selling the century old building. District officials say Ortega students would consolidate into a rebuilt Venetia Elementary planned to open in 2028 with 1,200 student stations. Some parents questioned the process and the size of the replacement school.
Why it matters: The proposed consolidation and rebuild could shift school capacity and attendance zoning in the area over the next few years.
Southern-cuisine restaurant Oxford Place set to open in Old Ortega
The Brown family, owners of Bold Birds in Murray Hill, bought the building at 2902 Corinthian Ave. in Old Ortega and are converting it into Oxford Place, a Southern-cuisine neighborhood restaurant and bar. They purchased the property for $925,000 and plan roughly $750,000 in interior work, with a January opening targeted and florist Gardner's continuing in a smaller space in the building.
Why it matters: A new sit-down dining option on a residential Old Ortega corner could add to the walkable amenities buyers in established historic neighborhoods often weigh.
Chicken Salad Chick opens at Ortega Park on Roosevelt Boulevard
Chicken Salad Chick opened June 10 in Units 306-307 at the Ortega Park shopping center, 4495 Roosevelt Blvd. The 64-seat, roughly 2,650-square-foot restaurant carried a build-out of about $350,000 and was the chain's fifth Northeast Florida location.
Why it matters: Continued tenanting along the Roosevelt corridor may strengthen the retail anchor serving the surrounding 32210 area.
The city issued a permit May 8 for tenant improvements to a 2,328-square-foot Panda Express in Units 401-402 at 4495 Roosevelt Blvd., at a project cost of about $869,519. The 52-seat restaurant faces Roosevelt Boulevard near Metro Diner and Chase Bank, part of the ongoing redevelopment of the former Roosevelt Square center.
Why it matters: Additional national tenants filling the Ortega Park pads could support steady foot traffic along the Roosevelt Boulevard retail 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
Ortega Elementary SchoolPublic PreK-5 · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEA
John Stockton Elementary School (Magnet)Public K-5 · Duval County School District · Grade A (Florida DOE 2025-26)
GRADEC
Lake Shore Middle SchoolPublic 6-8 · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEC
Riverside High SchoolPublic 9-12 · Duval County School District · Grade C (Florida DOE 2025-26)
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
Avondale Superette 6 min
Dining
Chipotle Mexican Grill 2 min
Shopping
Roosevelt Square 3 min
Parks
Stinson Park 2 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 4401 LAKESIDE Drive #903, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1983 (43 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 1,601 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 $10,700/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,600 more per year than the current owner’s estimated bill (+32%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 1, 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 4401 LAKESIDE Drive #903 and when was it built?
Per the listing record, 4401 LAKESIDE Drive #903 was built in 1983 and has 1,601 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 4401 LAKESIDE Drive #903 in?
4401 LAKESIDE Drive #903 is in Ortega Yacht Club 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 4401 LAKESIDE Drive #903 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 4401 LAKESIDE Drive #903 differ from the current owner's?
The estimate on this page (about $10,700 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,600 more per year than the current owner’s estimated bill (+32%). 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 4401 LAKESIDE Drive #903 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 4401 LAKESIDE Drive #903 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.
