This home is in Jacksonville.

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Active

Active·61 days on market

11479 Red Koi Drive

Jacksonville, FL 32226

$394,900$194/sqftEst. $2,102/moMLS# 2144195

Beds

Baths

2,033

Sq Ft

2020

Built

Garage

Pool

About this home

Jacksonville

Beautiful 4BR/3BA home in desirable Alta Lakes! Built in 2020, this open-concept floor plan features over 2,000 SF of living space with spacious living and dining areas, a well-appointed kitchen with abundant cabinetry and prep space, and a flexible split-bedroom layout ideal for families or guests. The primary suite offers a private retreat with en-suite bath and generous closet space. Situated on a large lot with a fully usable backyard and located near community amenities including pool, clubhouse, fitness center, playground, and walking paths. Conveniently located near shopping, dining, Jacksonville International Airport, and major commuter routes.

Cost to own

Mortgage calculator

Home Price

$394,900

Down Payment: 20%

$78,980

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,102

Principal & Interest: $2,102

Est. Taxes & Insurance: $525

Estimated Total Monthly

$2,627

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$2,102

Property taxesest. at asking price, Duval County$645

HOAbilled annually$9

Estimated total, before insurance$2,756/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$315,354	$264,059	—

2025 property taxes (current owner): $7,838/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 3,908 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 2020)

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

Solar potential: ~1,752 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History