Buying or selling? Call (904) 351-6461
Frances Smith
Momentum RealtyReal Estate Advisor

Frances Smith

Live Oak, FL
Contact Frances
Momentum Realty› Agents›Frances Smith
(386) 288-4350soldbyfrances@gmail.com
About
For over 2 decades, Frances serves motivated sellers and buyers, using her experience in the field to quickly navigate the best outcomes for her clients. While being detail oriented and empathetic towards client needs, she maintains a fun-loving spirit that makes her a magnetic match for those looking for the best experience and outcome!

Frances’ Listings & Sales

4 active · 1 pending · 5 sold in the last 12 months.

Every home shown here is or was listed by Momentum Realty with Frances Smith as the listing or co-listing agent. Listings courtesy of Momentum Realty via the NEFMLS Internet Data Exchange. Source: Data provided by realMLS. Information deemed reliable but not guaranteed.

Frances by the numbers
5homes sold, last 12 months
$1Msold volume, last 12 months
$200Kmedian sale price
4active listings
1under contract or pending

Closed and active listings where Frances is the listing or co-listing agent, from realMLS data, last 12 months. Information deemed reliable but not guaranteed.

  • Years in real estate22
Specialties & Service Areas
Property Focus
New ConstructionHistoricGolf Communities
Client Focus
First-Time BuyersRelocationMilitary / VA55+ BuyersFirst-Generation Buyers
Transaction Types
Buyer's AgentListing AgentInvestment PropertyProbate / EstateDivorce SalesShort Sales
Areas Served
Live Oak, Lake City, Madison, Suwannee County, Hamilton County, Columbia County, Baker County, Union County, Bradford County, Taylor County, Lafayette County, Dixie County, Gilchrist County, Alachua County, Clay County, Westside Jacksonville, Northside Jacksonville, Southside Jacksonville, Orange Park, Middleburg, Green Cove Springs, Baldwin, Macclenny, Sanderson, Lake Butler, Starke, Hilliard, Jasper, McAlpin, Mayo, Wellborn, O'Brien, Dowling Park, Lee

Tools for buyers and sellers

★ Presentation Kit
Frances's personalized guides for buyers, sellers, and relocators.
Free, instant access. We just ask who we're sending it to.
Exclusive Access
Get Frances's private listings
Off-market & pre-MLS homes the public never sees.
Free Home Valuation
What's your home worth in today's market?
Get a real valuation from Frances, with real comps. No instant-AI-estimate nonsense. Response within one business day.

About the brokerage

Momentum Realty is the brokerage Frances works with. The figures in this section describe the brokerage as a whole, not Frances’ individual results.

How the brokerage performs for Frances's clients
★ Verified Production Premium
When you list with Frances, you list with the brokerage that sells for more, in less time.
1.25%
higher sale price
Brokerage-wide: Momentum's 97.98% sold-to-list ratio vs. 96.73% RealMLS (Northeast Florida) 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 (brokerage-wide, Northeast Florida listings; not Live Oak figures). YTD Jan 1 to May 17, 2026. Example is illustrative; individual results vary by property, market conditions, and other factors. Full methodology & disclaimers.

Recent Sales

Brand New Construction in Clay County in Chickpea St, Middleburg, sold by Frances Smith
Sold
$373,000
Brand New Construction in Clay County
Chickpea St, Middleburg
3 bd · 2 ba · 1,621 sqft
Classic Brick Home in Richmond Estates in SW Brookdale Dr, Lake City, sold by Frances Smith
Sold
$265,000
Classic Brick Home in Richmond Estates
SW Brookdale Dr, Lake City
3 bd · 2 ba · 1,625 sqft
Solid Brick Home on an Acre Lot in SE Peacock Terrace, Lake City, sold by Frances Smith
Sold
$235,000
Solid Brick Home on an Acre Lot
SE Peacock Terrace, Lake City
2 bd · 2.5 ba · 1,008 sqft
4-Acre Equestrian Property with No HOA in 35th Drive, Wellborn, sold by Frances Smith
Sold
$219,900
4-Acre Equestrian Property with No HOA
35th Drive, Wellborn
3 bd · 2 ba · 1,140 sqft
Rural Country Home on a Triple Lot in 32nd Place, Live Oak, sold by Frances Smith
Sold
$184,000
Rural Country Home on a Triple Lot
32nd Place, Live Oak
3 bd · 2 ba · 1,485 sqft
A sample of recent closings represented by Frances Smith across Columbia, Suwannee, and Clay Counties.
Why work with Momentum

Brittany and I had a phone call, discussing what my financial goals in life were. Momentum Realty aligned perfectly, offering support like no other and extremely valuable trainings. This allows me to offer top-notch service with confidence to all of our clients.

Frances Smith on working with Momentum Realty. An agent’s view of the brokerage, not a client review.
The full case for Momentum: sellers, buyers, production figures
Areas Served

Frances specializes in North Central Florida, with her home base in Live Oak and her secondary board in Lake City. Her primary market spans the rural and small-town communities west, south, and north of Jacksonville along the I-10 corridor and beyond.

Primary Counties
Suwannee · Columbia · Hamilton · Baker · Union · Bradford · Taylor · Lafayette · Dixie · Gilchrist · Alachua · Clay
Towns & Cities
Live Oak · Lake City · Madison · Lee · Dowling Park · Jasper · McAlpin · Mayo · Wellborn · O'Brien · Sanderson · Macclenny · Lake Butler · Starke · Baldwin · Middleburg · Hilliard · Green Cove Springs

Frances also actively works select Jacksonville-area zip codes including 32210, 32216, 32218, 32219, 32221, and 32226 for established buyers and sellers in west and north Jacksonville.

MLS & Board Memberships
Primary: NEFAR
Secondary: NFMLS (Lake City)
Licensed FL

Referrals welcomed for clients 2+ hours outside the primary service area.

Brokerage
#2
NE Florida by Volume
$3.5B+
In Closed Sales
285+
Agents Strong

Bold City Best, JBJ Top 10 three years running, Top 1% in Florida by RealTrends. Built for serious operators.

Learn about Momentum →

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

Frances Smith
Frances Smith
Momentum RealtyReal Estate Advisor

Send Frances a message

By submitting, you agree that EAB RE INVESTMENTS LLC (Momentum Realty) and its agents may call, email, and text you about your inquiry, which may involve automated means and prerecorded or artificial voices. You do not need to consent as a condition of buying any property, goods, or services. To opt out, reply STOP at any time or reply HELP for assistance. You can also click the unsubscribe link in emails. Message and data rates may apply. Message frequency may vary. See our Privacy Policy and SMS Terms.

Your message is sent to Frances Smith at Momentum Realty.

Call directly
(386) 288-4350
Email directly
soldbyfrances@gmail.com
Ready to Make a Move?

Buy, sell, or invest
in North Central Florida.

Momentum Realty agents close more deals, know the market, and work for you. Reach out today and let's get moving.

Contact Frances →

Where Frances works

Areas Frances serves:

More neighborhood guides for areas Frances serves (7)
Neighborhoods Frances serves

Explore the local market guides for the areas Frances covers:

Westside JacksonvilleMiddleburg (Clay)Green Cove Springs

Areas Frances Serves

Explore Suwannee County

Dive into the Suwannee County market, or browse the full Momentum agent directory.