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Active·32 days on market

3196 Little Kern Lane

Jacksonville, FL 32226

$440,000$180/sqftEst. $2,342/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: 7.00%

Loan Term

Monthly Payment

$2,342

Principal & Interest: $2,342

Est. Taxes & Insurance: $585

Estimated Total Monthly

$2,927

*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$2,342

Property taxesest. at asking price, Duval County$718

HOAbilled annually$9

Estimated total, before insurance$3,069/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	$351,141	$300,419	—

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 3,908 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 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

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