Terra Costa
Homes for Sale in Jacksonville, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Terra Costa is a small, gated community in Jacksonville built out between 2015 and 2021, with a median year built of 2019 — so most of what trades here is under a decade old, which keeps maintenance and mechanical-system risk low relative to older Duval stock. At a $588,000 median price and $259.33 per square foot on a median 2,537 square feet, pricing here reflects newer construction and a fuller amenity package rather than land or lot premiums alone.
With only 3 active listings against 269 homes in the community and 9 closings in the trailing window, this is a thin market — small swings in what comes up can move the numbers more than they would in a larger subdivision. Momentum's 4.0 months of supply reads as balanced, but the 12.6% year-over-year pull-back and a median 48 days on market tell sellers to price to current comps rather than last year's, and give buyers some room to negotiate on condition and terms rather than racing a bidding war.
Terra Costa right now
🟡 Balanced market. 3.0 months of supply and 60% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of August 23, 2026. Confidence: Medium (5 active and pending listings, 9 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($588K) is down 17.8% from the prior 12 months ($715K). With about 22 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending August 23. Confidence: Medium (9 and 15 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 23, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Terra Costa market snapshot (as of August 23, 2026): the median sale price is about $588K ($259 per sq ft over the trailing 12 months of closed sales), a median 48 days on market for closed sales, and 3.0 months of supply, a balanced market. The trailing-12-month median is down 18% from the prior 12 months, computed from record-level realMLS closed sales (9 closings in the current window).
Terra Costa is a community of 226 homes in Jacksonville, Duval County, built between 2015 and 2021 (median 2019.0), with a median living area of about 2,502 square feet. 88% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
A gated, amenity-heavy Jacksonville community of newer construction (2015–2021), where inventory is thin enough that individual listings carry more weight in the numbers than in larger neighborhoods.
The setting & the homes.
Aerial and on-site photos of Terra Costa. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Terra CostaPhotos from realMLS listings in Terra Costa; content deemed reliable but not guaranteed.
Who Terra Costa is best for.
Best for
- Buyers targeting newer, low-maintenance construction (2015–2021) rather than an older resale.
- Buyers who want gated access plus a fuller amenity set (pool, clubhouse, fitness center, playground) in one HOA.
- Sellers with a well-maintained, updated home who can price to the current $588,000 median rather than last year's levels.
Probably not for
- Buyers who need a wide selection to compare — with 3 active listings, choice is limited at any given time.
- Sellers expecting last year's pricing; the 12.6% year-over-year decline means repricing to today's comps matters.
- Anyone in a hurry to close; the median 48 days on market is longer than a fast-turnaround timeline allows for.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 23 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($588K) IS the median in the snapshot above, and the move from 2025 ($715K) IS the -17.8% one-year change.
Windows contain 4 to 44 sales each (9 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Terra Costa Market Scorecard
Terra Costa is currently a seller's market. About 3.6 months of supply, a median asking price of $630,000, and homes go under contract in about 80 days.
Typical home value in the 32246 ZIP is $314,717, about 19.6% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Terra Costa, Jacksonville
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Terra Costa
Live MLS inventory for Terra Costa. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 130 daysTop listing
Active · 24 days
Pending · 40 days
Pending · 156 days
Pending · 114 daysActive and pending Terra Costa listings as of 2026-08-23, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Terra Costa on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Terra Costa
- Gated · reported on 10 of 11 listings
- Pool · reported on 10 of 11 listings
- Security Gate · reported on 7 of 11 listings
- Clubhouse · reported on 6 of 11 listings
- Playground · reported on 6 of 11 listings
- Maintenance Grounds · reported on 4 of 11 listings
- Trash · reported on 2 of 11 listings
- Park · reported on 2 of 11 listings
- Fitness Center · reported on 2 of 11 listings
- Management - Off Site · reported on 2 of 11 listings
- Children's Pool · reported on 1 of 11 listings
- Spa/Hot Tub · reported on 1 of 11 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Terra Costa are close: the nearest shopping is about 1 minutes away.
- Hodges Plaza · Shopping1 min
- La Fiesta Latin Market · Groceries2 min
- Panera Bread · Coffee2 min
- Waffle House · Dining3 min
- Castaway Island Preserve · Parks4 min
- Pablo Oaks Building · Health7 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Duval County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Twin Lakes Academy Elementary SchoolFLDOE grade C · PreK-5
- Kernan Middle SchoolFLDOE grade B · 6-8
- Sandalwood High SchoolFLDOE grade A · 9-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Duval County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Terra Costa address.
The Terra Costa buying strategy.
If we were buying in Terra Costa today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Terra Costa.
A newer-build community with a tight resale pool
Terra Costa's 269 homes were built almost entirely within a six-year window (2015–2021), which is unusual for Duval County and means most inventory has newer-generation roofs, HVAC, and code-compliant construction rather than the deferred-maintenance mix common in older communities. That homogeneity is a big part of what supports the $588,000 median price and $259.33 median price per square foot — buyers are largely comparing similar-vintage homes to each other rather than weighing decades of renovation history.
The market posture right now is worth reading carefully: a 12.6% year-over-year decline alongside a median 48 days on market and only 3 active listings suggests a community working through a softer stretch on relatively low volume (9 closings in the window), not a broad supply glut — 4.0 months of supply still lands in balanced territory. Homestead exemptions are recorded on 87.4% of homes in the community, indicating the resale pool skews toward owner-held property rather than a rotating rental/investor inventory.
The location and the amenities are priced into every listing in Terra Costa. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Terra Costa buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.3). Basis: Recent Direction -17.8% year-over-year; Liquidity & Demand 3.0 months of supply; Owner Commitment 88% owner-occupied; Pricing Power 97.1% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community with only 3 active listings and 9 recent closings, pricing off stale or mismatched comps is the single biggest risk to either side of a deal. Momentum tracks Terra Costa's numbers — median price, price per square foot, days on market, and months of supply — against the wider Duval feed on an ongoing basis, so sellers price to where the market actually sits today and buyers know when a listing is priced to the current 48-day norm versus asking a premium for it.
Terra Costa in 15 seconds.
HOA, CDD & Fees
- Has a CDD assessment
- Mandatory HOA. Confirm current dues
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
e terra costa homes, specs and resales, with the real hoa + cdd math attached. don't fill: get terra costa listings & market intel we represent
Tools for a Terra Costa buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Terra Costa sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Terra Costa, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Terra Costa home worth?
Get a no-obligation home value based on real comparable sales in Terra Costa, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Terra Costa on the map →
Price History: What Homes Here Have Actually Sold For
Median sale prices in Terra Costa Jacksonville year by year since 2015, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
What is the median home price in Terra Costa?
How long do homes in Terra Costa take to sell?
Is Terra Costa a buyer's or seller's market right now?
How many homes are in Terra Costa?
What share of Terra Costa is owner-occupied?
When were the homes in Terra Costa built?
What schools serve Terra Costa?
Who is the best real estate agent for Terra Costa?
How do I find a top Jacksonville real estate agent who knows Terra Costa?
Can Momentum Realty connect me with an agent for Terra Costa?
Should you buy in Terra Costa?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Terra Costa with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 23, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending August 23, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (3 streets, ZIP 32246)) |
| Under-contract shares | realMLS records, as of 2026-08-18 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2015 (239 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live your area comps.
Looking to buy here? Search homes for sale →
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See how Terra Costa fits the bigger picture — live prices, inventory, and Momentum Scores:
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