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

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Active

Active·49 days on market

3281 Alistair Court

Jacksonville, FL 32226

$344,500$165/sqftEst. $1,757/moMLS# 2149817

Beds

Baths

2,088

Sq Ft

2004

Built

Garage

Pool

About this home

Jacksonville

This 4 bedroom, 2 bath home has split bedrooms, laminate flooring in the main living area and carpet in bedrooms. Eat-in area in kitchen with large walk-in pantry and counter bar, living room has doors to the screened porch that overlooks the retention lake, inside laundry room, side entry 3 car garage. Amenity center has pool and playground area and it's within a block of the house so it's easy to walk or bike

Cost to own

Mortgage calculator

Home Price

$344,500

Down Payment: 20%

$68,900

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,757

Principal & Interest: $1,757

Property taxes (est.): $563

Insurance (est.): $230

Estimated Total Monthly

$2,549

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,757

Property taxesest. at asking price, Duval County$563

HOAbilled annually$50

Estimated total, before insurance$2,369/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,902/yr · $492/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	$312,020	$312,020	▲ $5,000
2024	$307,883	$307,883	—
2023	$308,931	$294,605	—
2022	$267,823	$267,823	▼ $15,276
2021	$213,933	$114,694	—
2020	$202,960	$112,421	▲ $9,735

2025 property taxes (current owner): $5,902/yr

Estimated taxes if purchased at asking price: ~$6,800/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 2004)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,772 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

Jun 10, 2026Listed$344,500

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

Features

Price$344,500

Price / Sq Ft$165

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,088

Acres0.64 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Community Information

Address3281 Alistair Court, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionVictoria Lakes

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size27,878.4 sq ft

Parcel Number1063752115

Amenities

AmenitiesPool, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

# of Stories1

LaundryElectric Dryer Hookup, In Unit, Washer Hookup