Off-market and pre-MLS listings across Northeast Florida, properties the public won't see for weeks. Register below and your agent will be in touch within one business day.
About
With 11 years in the real estate industry, Debra Pappas is a dedicated real estate professional specializing in Florida lifestyle living, including 55+ communities, golf course communities, and resort-style neighborhoods such as Diamond Springs, Jacksonville’s one and only lagoon community.
Debra is passionate about helping buyers and sellers navigate important life transitions with clarity, confidence, and personalized service. She combines strategic pricing, intentional home preparation, and high-impact marketing to help sellers maximize results, while guiding buyers toward not just a home, but a lifestyle that fits their goals.
In addition to residential sales, Debra brings a background in property management, build-to-rent and new construction sales, giving her a well-rounded understanding of the real estate process from multiple perspectives.
Debra takes pride in building lasting relationships and creating a smooth, seamless experience for her clients.
Clay County- Orange Park, Fleming Island, Middleburg, Westside Jacksonville, St. Augustine, World Golf Village
Tools for buyers and sellers
Exclusive Access
Get Debbie’s private listings
Off-market & pre-MLS homes the public never sees.
★ Free Home Valuation
Curious what your home is worth? Debbie Pappas will get back to you within 24 hours.
About the brokerage
Momentum Realty is the brokerage Debbie works with. The figures in this section describe the brokerage as a whole, not Debbie’s individual results.
Why clients choose Momentum: production figures, our story, the full case
★ Verified Production Premium
When you list with Debbie Pappas, you list with the brokerage that sells for more, in less time.
1.25%
higher sale price
Momentum's 97.98% sold-to-list ratio vs. 96.73% RealMLS market average
8 days
faster to close
64 days on market for Momentum vs. 72 days for the market average
Example: On a $500,000 listing, that's roughly $6,250 more in the seller's pocket and 8 fewer days of mortgage, insurance, and utility carrying costs.
Source: RealMLS Summary Statistics, NEFAR. YTD Jan 1 to May 17, 2026. Example is illustrative; individual results vary by property, market conditions, and other factors. Full methodology & disclaimers.
Agent Story
Why work with Momentum
Listing your home is a big decision. Here's what working with this agent and Momentum Realty delivers that most other brokerages cannot match.
★
Zillow Showcase Listings
Zillow limits Showcase to just 10% of listings in any market, and Momentum is one of the few Jacksonville brokerages enrolled. Qualifying listings get 70% more page views than standard placement.
★
Locals Only. No National Chain.
Debbie sells and competes right here in Northeast Florida. No corporate distraction, no out-of-state managers, no franchise fees pulling resources out of your market. Hyper-local knowledge of your neighborhood, school zone, and buyer profile.
★
5.0 Stars · 1,000+ Reviews
Verified across Google and Zillow. The highest sustained customer rating of any independent brokerage in Northeast Florida.
★
We Sell for More. In Less Time.
Per RealMLS, Momentum's sold-to-list ratio is 97.98% vs. the market average of 96.73%. Days on market: 64 for Momentum vs. 72 for the average member brokerage. Higher prices, faster closes, verified by NEFAR.
★
270+ Agent Internal Network
Your listing is shared internally with 270+ Momentum agents and their qualified buyer pools the day it goes live. Off-MLS exposure built in.
★
Professional Photo & Video Standard
Every Momentum listing receives professional photography, drone aerials when appropriate, and video tours for qualifying homes. No phone snaps.
★
Honest Pricing Strategy
No inflated valuations to win listings, then 3 price drops later. We give you the real number backed by current comparables, then we get it sold.
★
Award-Winning Reputation
Bold City Best winner, JBJ Top 10 Brokerage three years running, MarketView #2 in Northeast Florida by volume. Independently verified.
Want to see what your home is worth in today's market?
Buying a home in Northeast Florida is competitive. Here's what working with this agent and Momentum Realty gives you that other brokerages can't.
★
Private Listings Access
Get first look at off-market and pre-MLS homes through our 270+ agent network. Many of our buyers find their home before it ever hits Zillow.
★
Locals Only. Boots on the Ground.
Debbie works in Northeast Florida and knows the neighborhoods, schools, traffic patterns, builders, HOAs, and flood zones that matter. National brokerages can't compete with this depth of local knowledge.
★
5.0 Stars · 1,000+ Reviews
Verified across Google and Zillow. The highest sustained customer rating of any independent brokerage in Northeast Florida. Buyers come back, and they bring their friends.
★
Negotiation Backed by Data
With 1,624 transactions closed last year alone, our agents have seen what buyers can win and where sellers will move. We negotiate from real Jacksonville data, not guesswork.
★
Vetted Service Recommendations
Need a lender, title company, or inspector? We work with Titan Title Services (an affiliated business of our brokerage owners) and Integrity Mortgage Group (a preferred lender), plus inspectors and other vendors we've worked with successfully. You always choose who you hire. Affiliated business disclosure.
★
Inspection Advocacy
After inspection, we tell you what's normal, what's negotiable, and what's a dealbreaker. No pressure to close on a property that has hidden problems just to earn a commission.
★
Relocation Specialists
Moving to Jacksonville from out of state? Our agents have helped thousands of relocators navigate neighborhoods, schools, commute times, and the surprises that catch out-of-staters off guard.
★
Award-Winning Reputation
Bold City Best winner, JBJ Top 10 Brokerage three years running, MarketView #2 in Northeast Florida by volume. The brokerage other agents respect.
Start your home search with the team that knows Jacksonville best.
Momentum Realty is Jacksonville's #1 independent brokerage, Bold City Best, JBJ Top 10 three years running, and Top 1% in Florida by RealTrends. Every Momentum agent operates inside a platform built for serious operators, not order-takers.
Brokerage-wide figures: #2 is Momentum Realty’s rank by closed volume in Northeast Florida per MarketView Broker; $3.5B+ is cumulative closed volume since the brokerage was founded in January 2020. Sources and methodology
Agent
Momentum Realty · Orange Park, FL
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Ready to Make a Move?
Buy, sell, or invest in Northeast Florida.
Momentum Realty agents close more deals, know the market, and work for you, not a quota. Reach out today and let's get moving.
