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3172 Little Kern Lane

Jacksonville, FL 32226

$460,000$195/sqftEst. $2,362/moMLS# 2160372

Beds

Baths

2,361

Sq Ft

2020

Built

Garage

Pool

About this home

Jacksonville

**3147 Little Kern Ln, Jacksonville, FL 32226 | Alta Lakes** 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. The split floor plan puts privacy first: the owner's suite is a peaceful escape with an accent wall, tray ceilings, bay windows, separate his-and-hers walk-in closets

Cost to own

Mortgage calculator

Home Price

$460,000

Down Payment: 20%

$92,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,362

Principal & Interest: $2,362

Property taxes (est.): $751

Insurance (est.): $307

Estimated Total Monthly

$3,420

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,362

Property taxesest. at asking price, Duval County$751

HOAbilled annually$8

Estimated total, before insurance$3,122/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,518/yr · $626/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

2025 property taxes (current owner): $7,518/yr

Estimated taxes if purchased at asking price: ~$9,000/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.

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 home

As 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.

History