Momentum RealtyReal Estate Advisor

Frances Smith

Live Oak, FL

✆(386) 288-4350 @soldbyfrances@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!

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

Recent Sales

Sold

$373,000

Brand New Construction in Clay County

Chickpea St, Middleburg

3 bd · 2 ba · 1,621 sqft

Sold

$265,000

Classic Brick Home in Richmond Estates

SW Brookdale Dr, Lake City

3 bd · 2 ba · 1,625 sqft

Sold

$235,000

Solid Brick Home on an Acre Lot

SE Peacock Terrace, Lake City

2 bd · 2.5 ba · 1,008 sqft

Sold

$219,900

4-Acre Equestrian Property with No HOA

35th Drive, Wellborn

3 bd · 2 ba · 1,140 sqft

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.

★ Presentation Kit

Frances's personalized guides for buyers, sellers, and relocators.

Free, instant access. We just ask who we're sending it to.

Seller Guide

Pricing, marketing, and the path to sold

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Buyer Guide

Financing, search, offers, and keys in hand

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Relocation Guide

Why NE Florida, neighborhoods, and settling in

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Exclusive Access

Get Frances's private listings

Off-market & pre-MLS homes the public never sees.

★ 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

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.

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.

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.

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 & GA

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

Recent Momentum Closings

Representative recent closings across the Momentum Realty brokerage. Range spans starter to luxury, beach to interior, single-family to estate properties. Individual agent participation varies.