Alta Lakes

3512 GUPPY CT

Jacksonville, FL 32226
For Sale $420,000
5 bd · 3 ba · 3,045 sqft · Built 2019
Bryce Spraggins — The HOA Collective
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Call or Text 904-747-1HOA

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of WATSON REALTY CORP (donnaosteen@watsonrealtycorp.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

LOW HOA MUST COME SEE! 3.75% ASSUMABLE MORTGAGE FRESH NEW PAINT INSIDE AND NEW CARPET SELLER WILL PAY OFF SOLAR PANEL 5BR Pond-View Home on a Rare .38-Acre Lot with Only Two Homes on the Cul-De-Sac in the Desirable Alta Lakes Community!
Built in 2019, this spacious 2,517 sq ft home offers 5 bedrooms, 3 baths, modern upgrades, energy efficiency, and peaceful water views.
The bright open-concept floor plan features tile flooring, quartz countertops, stainless steel appliances, and spacious living and dining areas perfect for entertaining. Beautiful primary suite offering comfort and privacy.
Relax on the 25x12 screened lanai with tile flooring overlooking a beautiful pond and expansive fenced backyard. The rear property line spans approximately 147 feet, creating a rare oversized backyard with plenty of space for outdoor living.
owned water softener system, sprinkler system in the front and back yard,

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $14,700
$3,849/mo
Principal & interest$2,650
Property tax (est.)$473
Insurance (est.)$315
FHA MIP$186
HOA dues$8
CDD assessment$217
Cash to close: ~$14,700 down · MIP financed
VA
$0 down
$3,771/mo
Principal & interest$2,757
Property tax (est.)$473
Insurance (est.)$315
VA fee (financed)$0
HOA dues$8
CDD assessment$217
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $84,000
$3,173/mo
Principal & interest$2,159
Property tax (est.)$473
Insurance (est.)$315
PMI$0
HOA dues$8
CDD assessment$217
Cash to close: ~$84,000 down

Rate: 6.660% (Freddie Mac 30-yr avg, as of Aug 27, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.85% effective millage, plus actual HOA & CDD. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2019
Heated area2,687 sq ft
Lot size16,647 sq ft
SubdivisionALTA LAKES PHASE FIVE
Parcel (RE#)108439-0730
Legal description72-37 02-1S-27E

Valuation · 2025

Value

Just / Market
$425,000
Assessed
$269,732
Taxable
$219,010
2025 Property Tax
$4,049
Homestead Exemption
Yes $50,722 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$100 / Annually
CDD Assessment
$2,606 / Annually

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

No recorded sale history is on file for this property.

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
JEA
💧 Water
JEA
🚽 Sewer
JEA

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
Middle (zoned)
High (zoned)
Nearby Private Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Public Records

Crime Reports Near 3512 GUPPY CT

69
incident reports recorded by the Jacksonville Sheriff's Office within 1 mile of Alta Lakes, the 12 months ending July 31, 2026.

This is an area figure, not a figure about 3512 GUPPY CT. The HOA Collective does not rate addresses or neighborhoods and publishes no safety score. Reports are made to law enforcement rather than proven, are recorded at the hundred block rather than the exact address, and a circle takes in streets and businesses that have nothing to do with this home. Source: Jacksonville Sheriff's Office open data, updated daily. Search this address yourself →

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Alta Lakes? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Alta Lakes every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

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On the Market

Homes for Sale in Alta Lakes

Other active MLS listings in Alta Lakes.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 3512 GUPPY CT?
The zoned public schools for 3512 GUPPY CT in Alta Lakes are New Berlin Elementary (elementary), Oceanway MS (middle), First Coast HS (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 3512 GUPPY CT?
The most recent annual property tax for 3512 GUPPY CT is about $4,049 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 3512 GUPPY CT have a CDD fee?
Yes. 3512 GUPPY CT is in Alta Lakes, a Community Development District (CDD) with an assessment of approximately $2,606 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 3512 GUPPY CT?
Homes in Alta Lakes have an HOA fee of about $100 per year (based on recent MLS listings).
How big is 3512 GUPPY CT?
3512 GUPPY CT is a 2,687 sq ft home built in 2019 in Alta Lakes, Duval County, FL.
What would the monthly payment be on 3512 GUPPY CT?
At about a 6.66% 30-year rate, the estimated monthly payment for 3512 GUPPY CT is roughly $3,173 with a conventional loan (20% down), $3,849 with FHA (3.5% down), or $3,771 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Alta Lakes HOA and CDD assessment. Use the payment calculator on this page to adjust the numbers.
Is 3512 GUPPY CT in a safe area?
The HOA Collective does not rate addresses or neighborhoods as safe or unsafe and publishes no safety score. For the surrounding area, the Jacksonville Sheriff's Office recorded 69 incident reports within 1 mile of Alta Lakes, the community 3512 GUPPY CT sits in, during the 12 months ending July 31, 2026. Those are reports made to law enforcement rather than charges or convictions, they are recorded by hundred block rather than exact address, and the circle takes in streets and businesses unrelated to this home. The figure and its source are published at thehoacollective.com/communities/alta-lakes/3512-guppy-ct.

Property data is sourced from the Duval County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.