This home is in Jacksonville.
Active·49 days on market
3172 Little Kern Lane
Jacksonville, FL 32226
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
**3172 Little Kern Ln, Jacksonville, FL 32226 | Alta Lakes** VA ASSUMABLE MORGAGE 6.62% 4 bedrooms | 3 bathrooms | 3-car garage Tucked away on a quiet cul-de-sac in Alta Lakes, this 2020-built D.R. Horton home delivers exactly what today's buyers are looking for: an open, flowing layout, a kitchen built for gathering, a true owner's retreat, and outdoor living space that extends the home year-round. Step through the leaded glass front door into a bright, welcoming foyer that opens to a spacious living area. The kitchen is the heart of the home -- a large island, deep farmhouse sink, quartz counters, stainless steel appliances, a walk-in pantry, and a breakfast nook, all flowing seamlessly into the great room. Stacked sliding glass doors lead out to the screened lanai, creating the kind of indoor-outdoor connection buyers keep asking for.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: ~1,622 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 homeAs of August 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $7,518/yr
Estimated taxes if purchased at asking price: ~$8,700/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 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Oct 5, 2026Price change$445,000−$5,000
- Sep 24, 2026Price change$450,000−$5,000
- Sep 15, 2026Price change$455,000−$5,000
- Aug 22, 2026Active$460,000
- Aug 14, 2026Listed$460,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $194/sq ft; this home is listed at $188/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3167 Spotted Bass Lane, Jacksonville, FL 32226Listed by PURSUIT REAL ESTATE, LLC | Jul 2026 | $410,000 | $174 | 4/3 | 2,361 | 61 | 0.1 |
| 3224 Brown Trout Court, Jacksonville, FL 32226Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Aug 2026 | $499,900 | $179 | 4/3.5 | 2,798 | 13 | 0.2 |
| 11540 Red Koi Drive, Jacksonville, FL 32226Listed by ELITE REALTY GROUP | Oct 2026 | $375,000 | $209 | 3/2 | 1,794 | 79 | 0.3 |
| 11479 Red Koi Drive, Jacksonville, FL 32226Listed by MOMENTUM REALTY | Sep 2026 | $394,500 | $194 | 4/3 | 2,033 | 105 | 0.4 |
| 3572 Shiner Drive, Jacksonville, FL 32226Listed by HERRON REAL ESTATE LLC | Sep 2026 | $324,000 | $190 | 4/2 | 1,705 | 39 | 0.5 |
| 3057 Donato Drive N, Jacksonville, FL 32226Listed by CROSSVIEW REALTY | Aug 2026 | $499,700 | $269 | 4/2 | 1,857 | 21 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: NAVY TO NAVY HOMES LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines