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This home is in Jacksonville.

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Active

Active·221 days on market

3248 Brown Trout Court

Jacksonville, FL 32226

$393,000$231/sqftEst. $2,018/moMLS# 2125004

Beds

Baths

1,700

Sq Ft

2019

Built

Garage

Pool

About this home

Jacksonville

Schedule your tour today and discover everything **Alta Lakes** has to offer. Located in this desirable community, the home features an open and functional layout filled with natural light, a kitchen with quartz countertops and a large center island, tile flooring in the main living areas, and a private primary suite with additional versatile bedrooms. Enjoy peaceful mornings and relaxing evenings on the covered back patio overlooking a serene pond, while taking advantage of tennis courts, volleyball courts, a soccer field, a dog park, and sidewalks ideal for daily walks. Conveniently located near military bases, Amazon warehouses, Jacksonville International Airport, schools, parks, shopping centers, and with easy access to **I-95 and I-295**, ensuring quick connectivity and access to everything Jacksonville has to offer.

Cost to own

Mortgage calculator

Home Price

$393,000

Down Payment: 20%

$78,600

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,018

Principal & Interest: $2,018

Property taxes (est.): $642

Insurance (est.): $262

Estimated Total Monthly

$2,922

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.65% · 30yr$2,018

Property taxesest. at asking price, Duval County$642

HOAbilled annually$8

Estimated total, before insurance$2,668/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,198/yr · $600/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).

Cost to own

Taxes & assessment

Last sold: $389,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$279,867	$227,991	—
2024	$270,859	$220,859	▲ $14,557
2023	$295,744	$295,744	—
2022	$270,228	$143,717	▲ $24,551
2021	$197,269	$138,075	—
2020	$185,479	$135,479	▼ $2,550

2025 property taxes (current owner): $7,198/yr

Estimated taxes if purchased at asking price: ~$7,700/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

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: ~1,761 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

As of July 2026, 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.

History