This home is in Jacksonville.

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Active Under Contract

Active Under Contract·19 days on market

3224 Brown Trout Court

Jacksonville, FL 32226

$499,900$179/sqftEst. $2,549/moMLS# 2153803

Beds

Baths

2,798

Sq Ft

2019

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully updated 2,798-square-foot, 1-story home offering 4 bedrooms, 3.5 baths, & an ideal layout that includes a private in-law suite. Perfectly positioned to capture breathtaking long water views, the home overlooks a large pond, creating a peaceful backdrop for everyday living. Thoughtful updates provide both style & peace of mind. In 2022, improvements included new ceiling fans, upgraded lighting, and a custom pantry closet system. In 2023, a garage storage wall unit & overhead ceiling storage rack were added. Recent 2025 upgrades include a remodeled powder bath, new hot water heater, replaced carpeting, media wall with electric fireplace, updated plumbing fixtures & door hardware, new outdoor lighting, heavy-duty surge protector, new GFI outlets, & a new A/C motor w/ UV light. Completing the package is an exceptionally low HOA fee of just $100 annually, including community center, pool, fitness, pickle ball, a playground, & soccer field. Outstanding value!

Cost to own

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,549

Principal & Interest: $2,549

Property taxes (est.): $816

Insurance (est.): $333

Estimated Total Monthly

$3,698

*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$2,549

Property taxesest. at asking price, Duval County$816

HOAbilled annually$8

Estimated total, before insurance$3,373/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$387,397	$251,848	—
2024	$378,934	$244,043	▲ $19,700
2023	$419,914	$235,479	—
2022	$383,335	$227,165	▲ $29,678
2021	$280,289	$219,093	—
2020	$265,378	$215,378	▼ $812

Estimated taxes if purchased at asking price: ~$9,800/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 2019)

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

Solar potential: ~1,769 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

Jul 20, 2026Active Under Contract$499,900
Jul 13, 2026Price change$499,900−$30,100
Jul 7, 2026Listed$530,000

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

Features

Price$499,900

Price / Sq Ft$179

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,798

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryNew Berlin

MiddleOceanway

HighFirst Coast

Community Information

Address3224 Brown Trout Court, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionAlta Lakes

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Parcel Number1084390550

Amenities

AmenitiesPool, Dog Park, Fitness Center, Pickleball, Playground

UtilitiesElectricity Connected, Sewer Connected

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne