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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Jan 27, 2026·167 days on market·Recent sales in Jacksonville

3236 Brown Trout Court

Jacksonville, FL 32226

$425,000sold priceListed at $439,000 · 96.8% of asking$166/sqftMLS# 2096494
4
Beds
4
Baths
2,557
Sq Ft
2019
Built
3
Garage
No
Pool
HOA $8/mo0.40 acresWaterfrontSingle Family Residence2 stories

About this home

Jacksonville

SELLER MOTIVATED. BUYER CONCESSIONS! Welcome to your dream home in highly sought-after Alta Lakes, just 3 minutes to I-295 and 15 minutes from the Jacksonville International Airport! This beautiful two-story residence offers the perfect blend of space, privacy, and nature with 4 spacious bedrooms and 4 full bathrooms. Step inside and you'll immediately appreciate the open-concept kitchen, complete with stainless steel appliances, a bright breakfast nook, and seamless flow into the cozy living room — ideal for entertaining or everyday living. The primary suite is a true retreat with breathtaking pond and preserve views, plus a luxurious bathroom featuring a walk-in shower, soaking tub, and large windows to take in the peaceful scenery. Enjoy stunning views and abundant natural light throughout the home! Outside, relax in your fenced backyard overlooking a beautiful pond teeming with local wildlife — a perfect setting for morning coffee or sunset gatherings.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,354
Property taxesest. at asking price, Duval County$694
HOAbilled annually$8
Estimated total, before insurance$3,056/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$8,412/yr · $701/mo
  • • 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

$425,000
$85,000
Loan Term
Monthly Payment
$2,354
Principal & Interest: $2,354
Property taxes (est.): $694
Insurance (est.): $283
Estimated Total Monthly
$3,331
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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: Shingle — year not disclosed (home built 2019)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,768 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 home

This 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $8,412/yr

Estimated taxes if purchased at asking price: ~$8,300/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

  • Jul 2, 2025Listed$439,000

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 $194/sq ft; this home is listed at $172/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3224 Brown Trout Court, Jacksonville, FL 32226Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2026$499,900$1794/3.52,798130
11540 Red Koi Drive, Jacksonville, FL 32226Listed by ELITE REALTY GROUPOct 2026$375,000$2093/21,794790.1
11479 Red Koi Drive, Jacksonville, FL 32226Listed by MOMENTUM REALTYSep 2026$394,500$1944/32,0331050.2
3167 Spotted Bass Lane, Jacksonville, FL 32226Listed by PURSUIT REAL ESTATE, LLCJul 2026$410,000$1744/32,361610.2
3057 Donato Drive N, Jacksonville, FL 32226Listed by CROSSVIEW REALTYAug 2026$499,700$2694/21,857210.7
12233 Shadow Creek Court, Jacksonville, FL 32226Listed by ROUND TABLE REALTYJul 2026$480,000$1874/2.52,564230.9

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

Price$439,000
Price / Sq Ft$172
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage2,557
Acres0.40 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes

Community Information

Address3236 Brown Trout Court, Jacksonville, FL 32226
Area096-Ft George/Blount Island/Cedar Point
SubdivisionAlta Lakes
CityJacksonville
CountyDuval
StateFL
Zip Code32226
Lot Size17,424 sq ft
Parcel Number1084390560
ZoningPUD

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Pickleball, Playground
Community FeaturesSidewalks
UtilitiesElectricity Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Kitchen Island, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchRear Porch, Screened
FencingBack Yard
RoofShingle
ConstructionFiber Cement
Road SurfacePaved

Additional Information

Date ListedJuly 2, 2025
Days on Market167
HOA Fees$100 / Annually
HOA FrequencyAnnually
Tax Amount$8,411.94
Tax Year2024
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jan 27, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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