Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$449,900

3196 LITTLE KERN Lane, Jacksonville, FL 32226, Jacksonville, FL 32226

Alta Lakes

Price
$449,900
Beds / Baths
4 / 3
Living area
2,450 sqft
Year built
2021
Type
Residential
Lot
0.19 ac
Garage
2
HOA
$9/mo
CDD
Yes
Flood zone
Unknown
County
Duval
Days on market
92

$184/sqft asking, vs a $178/sqft median across 498 closed sales in 32226 over the last 12 months — 3% above the area's closed prices. Condition and lot vary; that's what a showing is for.

NEW PRICE: $449,900 PLUS UP TO $14,500 IN POTENTIAL BUYER INCENTIVES! Discover why 3196 Little Kern Lane is the perfect place to call home, located in the highly desirable Alta Lakes community in Jacksonville, Florida. This beautiful 4-bedroom, 3-bathroom residence offers the ideal combination of space, comfort, and quality, making it an excellent choice for families and discerning buyers. From the moment you step inside, you'll appreciate the open layout, high ceilings, and abundant natural light, creating a warm and inviting atmosphere that's perfect for both everyday living and entertaining. The open-concept kitchen, dining, and living area is a true highlight, featuring granite countertops, stainless steel appliances, and custom cabinetry--designed to bring people together while offering both style and functionality.

What to check on this one

  • Verify flood zone designation and elevation certificate requirement—check FEMA map.
  • Confirm CDD bond payoff amount and remaining assessment timeline.
  • Review HOA covenants for rental restrictions and enforcement history.
  • Inspect roof warranty documentation—builder coverage and transfer terms.
  • Obtain 4-point insurance inspection report before final offer.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$2,334/mo
Property tax (1.1% eff., Duval Co.)$412/mo
Homeowners insurance (est.)$292/mo
HOA$9/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$3,214/mo

Loan $359,920 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of EAGLES WORLD REALTY, INC. Data via realMLS (Northeast Florida MLS), updated Aug 28, 2026, 9:40 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.