This home is in Jacksonville.

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Active·59 days on market

3167 Spotted Bass Lane

Jacksonville, FL 32226

$419,900$178/sqftEst. $2,235/moMLS# 2144530

Beds

Baths

2,361

Sq Ft

2020

Built

Garage

Pool

About this home

Jacksonville

Welcome home to this stunning 4-bedroom, 3-bath residence perfectly situated on a premium homesite backing up to a large open field. New roof! Located just a short walk from the community clubhouse and resort-style amenities, you'll enjoy access to pickleball, tennis and basketball courts, a sparkling pool, and a playground. Step inside to discover a spacious open-concept floor plan.The heart of the home is the beautifully appointed kitchen featuring a large center island, stainless steel appliances, a walk-in pantry, and rich dark cabinetry that perfectly complements the modern design. The expansive primary suite is a true retreat, offering a large walk-in closet and a luxurious en-suite bath complete with dual vanities, a relaxing soaking tub, and a separate walk-in shower. With generous living spaces and thoughtful upgrades throughout, this home is ideal for both every day living and entertaining. Enjoy your mornings or evenings out on the screened in lanai and fenced in backyard.!

Cost to own

Mortgage calculator

Home Price

$419,900

Down Payment: 20%

$83,980

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,235

Principal & Interest: $2,235

Est. Taxes & Insurance: $559

Estimated Total Monthly

$2,794

*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$2,235

Property taxesest. at asking price, Duval County$685

HOAbilled annually$9

Estimated total, before insurance$2,929/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	$352,407	$301,685	—

2025 property taxes (current owner): $8,506/yr

Estimated taxes if purchased at asking price: ~$8,200/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: material not specified — year not disclosed (home built 2020)

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

Solar potential: ~1,754 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