This home is in Jacksonville.

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Active·14 days on market

11540 Red Koi Drive

Jacksonville, FL 32226

$395,000$220/sqftEst. $2,102/moMLS# 2152044

Beds

Baths

1,794

Sq Ft

2020

Built

Garage

Pool

About this home

Jacksonville

Welcome to life in Alta Lakes, one of North Jacksonville's most sought after communities, where convenience, recreation, and everyday comfort come together. Situated on a peaceful preserve lot with lake views, this beautifully maintained 2020 built home offers the perfect blend of privacy and modern living. The popular Longwood floor plan features 3 bedrooms, 2 bathrooms, soaring ceilings, luxury vinyl plank flooring, and an open-concept design perfect for both everyday living and entertaining. The spacious kitchen serves as the heart of the home with quartz countertops, stainless steel appliances, espresso maple cabinetry with crown molding, tile backsplash, and a large island overlooking the family and dining areas. Sliding glass doors lead to a screened lanai and extended paver patio where you can relax and enjoy peaceful preserve and lake views. The fully fenced backyard and upgraded landscaping create a private outdoor retreat with plenty of room for pets, play, and gatherings.

Cost to own

Mortgage calculator

Home Price

$395,000

Down Payment: 20%

$79,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,102

Principal & Interest: $2,102

Est. Taxes & Insurance: $526

Estimated Total Monthly

$2,628

*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 monthly$110

Estimated total, before insurance$2,857/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	$289,404	$289,404	—

2025 property taxes (current owner): $8,125/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: ~1,728 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