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This home is in Jacksonville.

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Active·77 days on market

3196 Little Kern Lane

Jacksonville, FL 32226

$440,000$180/sqftEst. $2,260/moMLS# 2149174

Beds

Baths

2,450

Sq Ft

2021

Built

Garage

Pool

About this home

Jacksonville

Discover why 3196 Little Kern Lane is the perfect place to call home, located in the highly desirable Alta Lakes community in Jacksonville, Florida. This beautiful 4-bedroom, 3-bathroom residence offers the ideal combination of space, comfort, and quality, making it an excellent choice for families and discerning buyers. From the moment you step inside, you'll appreciate the open layout, high ceilings, and abundant natural light, creating a warm and inviting atmosphere that's perfect for both everyday living and entertaining. The open-concept kitchen, dining, and living area is a true highlight, featuring granite countertops, stainless steel appliances, and custom cabinetry--designed to bring people together while offering both style and functionality. The primary suite provides a private and relaxing retreat, complete with a walk-in closet and a spa-like en-suite bathroom, offering comfort and privacy at the end of each day.

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,260

Principal & Interest: $2,260

Property taxes (est.): $718

Insurance (est.): $293

Estimated Total Monthly

$3,271

*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$2,260

Property taxesest. at asking price, Duval County$718

HOAbilled annually$9

Estimated total, before insurance$2,987/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,483/yr · $707/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: $415,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$351,141	$300,419	—
2024	$341,765	$291,765	▲ $17,942
2023	$377,160	$304,699	—
2022	$344,368	$294,368	▲ $27,922
2021	$43,000	$43,000	—

2025 property taxes (current owner): $8,483/yr

Estimated taxes if purchased at asking price: ~$8,600/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: material not specified — year not disclosed (home built 2021)

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

Solar potential: ~1,626 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