Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

1 / 49

Active

Active·144 days on market

3512 Guppy Court

Jacksonville, FL 32226

$395,000$157/sqftEst. $2,029/moMLS# 2137710

Beds

Baths

2,517

Sq Ft

2019

Built

Garage

Pool

About this home

Jacksonville

LOW HOA MUST COME SEE! 3.75% ASSUMABLE MORTGAGE FRESH NEW PAINT INSIDE AND NEW CARPET 5BR Pond-View Home on a Rare .38-Acre Lot with Only Two Homes on the Cul-De-Sac in the Desirable Alta Lakes Community! Built in 2019, this spacious 2,517 sq ft home offers 5 bedrooms, 3 baths, modern upgrades, energy efficiency, and peaceful water views. The bright open-concept floor plan features tile flooring, quartz countertops, stainless steel appliances, and spacious living and dining areas perfect for entertaining. Beautiful primary suite offering comfort and privacy. Relax on the 25x12 screened lanai with tile flooring overlooking a beautiful pond and expansive fenced backyard. The rear property line spans approximately 147 feet, creating a rare oversized backyard with plenty of space for outdoor living. owned water softener system, sprinkler system in the front and back yard

Cost to own

Mortgage calculator

Home Price

$395,000

Down Payment: 20%

$79,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,029

Principal & Interest: $2,029

Property taxes (est.): $645

Insurance (est.): $263

Estimated Total Monthly

$2,937

*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$2,029

Property taxesest. at asking price, Duval County$645

HOAbilled annually$8

Estimated total, before insurance$2,682/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,039/yr · $587/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

Year	Market value	Taxable value	Change
2025	$346,319	$219,010	—
2024	$338,134	$212,131	▲ $17,207
2023	$363,484	$196,418	—
2022	$331,926	$189,241	▲ $27,345
2021	$242,561	$182,273	—
2020	$229,067	$179,067	▼ $3,000

2025 property taxes (current owner): $7,039/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: ~1,775 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

Price & status history

Aug 18, 2026Price change$395,000−$45,000
Apr 1, 2026Listed$440,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$395,000

Price / Sq Ft$157

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,517

Total Structure Area3,045 sq ft

Acres0.38 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesSoutheast

School Information

ElementaryNew Berlin

MiddleOceanway

HighFirst Coast

Community Information

Address3512 Guppy Court, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionAlta Lakes

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size16,552.8 sq ft

Parcel Number1084390730

ZoningResidential

Amenities

AmenitiesClubhouse, Fitness Center, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Microwave, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level