Saddle Oaks
Homes for Sale in Jacksonville, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of LENNAR REALTY INC · via realMLS
As of October 2026, Saddle Oaks in Jacksonville, FL has 19 homes for sale and 12 pending, asking from $278,990 to $483,990 (median $374,000). Over the 12 months ending 2026-10-01, 91 recorded sales closed at a median of $331,485, $166 per square foot, a median 39 days on market, sellers accepting 97% of original asking (-3% versus the prior year). Homes listed or recently sold were built 2024–2026 with 38 new construction; 43 of 43 report an HOA (median $88/mo); 2 of the 43 geocoded homes sit in a FEMA special flood hazard zone (median elevation 42 ft). At the median price and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $5,920 ($5,190 with the full homestead exemption).
Homes For Sale Right Now in Saddle Oaks
Live MLS inventory for Saddle Oaks. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 38 daysTop listing
Active · 37 days
Active · 41 days
Active · 15 days
Active · 73 days
Active · 41 days
Active · 37 days
Active · 91 days
Active · 113 days
Active · 164 days
Active · 55 days
Active · 37 days
Active · 15 days
Active · 37 daysActive and pending Saddle Oaks listings as of 2026-10-01, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Saddle Oaks is a single-vintage new-construction community in Jacksonville, with every home in the MLS record built in 2024. That matters for pricing: at a $335,735 median and $161.98 per square foot on a median 2,538 square feet, the number you're seeing reflects builder-era construction and finish packages, not a decades-wide mix of renovation states the way older Duval County subdivisions price out.
Supply is thin — 16 active listings against 184 total homes, with 2.1 months of supply, which is why this reads as a seller-leaning market. Median days on market sits at just over 29 days, and year-over-year price movement is essentially flat, down 0.9%. For a buyer, that combination means less room to negotiate on a well-priced, well-finished listing; for a seller, it means pricing at or near recent comps still tends to move within a month.
Saddle Oaks right now
🔴 Seller-leaning market. 2.5 months of supply and 39% of the inventory already under contract give sellers the pressure advantage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of October 1, 2026. Confidence: Very High (31 active and pending listings, 91 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($331K) is down 2.8% from the prior 12 months ($341K).Momentum Research, record-level realMLS closed sales, 12-month windows ending October 1. Confidence: Very High (91 and 90 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 1, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Saddle Oaks market snapshot (as of October 1, 2026): the median sale price is about $331K ($166 per sq ft over the trailing 12 months of closed sales), a median 39 days on market for closed sales, and 2.5 months of supply, a seller-leaning market. The trailing-12-month median is down 3% from the prior 12 months, computed from record-level realMLS closed sales (91 closings in the current window).
Saddle Oaks is a community of 73 homes in Jacksonville, Duval County, built between 2024 and 2024 (median 2024.0), with a median living area of about 2,664 square feet. 29% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Because Saddle Oaks was built out in a single year, buyers are comparing apples to apples on construction era rather than weighing an older home against a newer one — the differentiators here are lot, finish level, and floor plan rather than age of the structure.
The setting & the homes.
Aerial and on-site photos of Saddle Oaks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Saddle OaksPhotos from realMLS listings in Saddle Oaks; content deemed reliable but not guaranteed.
Who Saddle Oaks is best for.
Best for
- Buyers who want a home built in 2024 rather than an older resale and are budgeting near the current $335,735 median.
- Buyers prioritizing HOA-maintained amenities like a pool, clubhouse, and dog park, who will independently confirm current access with the HOA.
- Sellers who can price at or near recent comps and want a market where 2.1 months of supply favors a listing that's positioned correctly.
Probably not for
- Buyers who want a wide range of price points or construction eras to choose from — with all homes from 2024, that variety isn't here.
- Buyers who want a large active inventory to browse before deciding — 16 listings is a narrow pool.
- Buyers expecting significant negotiating room; a seller-leaning market with 29-day median days on market leaves less room to work with.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 1 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($331K) IS the median in the snapshot above, and the move from 2025 ($341K) IS the -2.8% one-year change.
Windows contain 39 to 91 sales each (91 in the current window); every figure carries its sample size. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Duval County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Duval County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
39% of homes for sale in Saddle Oaks are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-01).
Saddle Oaks Market Scorecard
Saddle Oaks is currently a seller's market. About 2.5 months of supply, a median asking price of $374,000, and homes go under contract in about 40 days.
Typical home value in the 32219 ZIP is $291,053, about 9.9% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Saddle Oaks on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Saddle Oaks
- Pool · reported on 34 of 41 listings
- Trash · reported on 33 of 41 listings
- Playground · reported on 20 of 41 listings
- Dog Park · reported on 18 of 41 listings
- Park · reported on 10 of 41 listings
- Water · reported on 6 of 41 listings
- Clubhouse · reported on 4 of 41 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Saddle Oaks are close: the nearest groceries is about 4 minutes away.
- Beauty in royalty · Groceries4 min
- West Lake · Parks4 min
- Oxtail Spot · Dining8 min
- Crystal Springs Plaza · Shopping15 min
- Children's Services · Health15 min
- Trinity Plaza & Indoor Playground · Coffee16 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Nearby Communities
Explore more neighborhoods near Saddle Oaks Homes for Sale in Jacksonville, FL with Momentum Realty’s local guides.
Schools
- Duval County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Garden City Elementary SchoolFLDOE grade C · PreK-5
- Highlands Middle SchoolFLDOE grade C · 6-8
- Jean Ribault High SchoolFLDOE grade A · 9-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Duval County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Saddle Oaks address.
The Saddle Oaks buying strategy.
If we were buying in Saddle Oaks today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Saddle Oaks.
A new-build price floor, not a legacy one
With a median living area of 2,538 square feet and $161.98 per square foot, Saddle Oaks prices closer to current construction cost and builder margin than to the wider spread you'd find in a resale-heavy neighborhood. That's worth knowing going in: the median $335,735 figure isn't an entry price and it isn't a ceiling — it's simply the midpoint of what has traded, and with only 16 active listings, any single listing can move that midpoint more than it would in a deeper market.
About a quarter of homes here (25%) carry a homestead exemption on file, which is one objective signal — alongside the 16-listing active count against 184 total homes — that a meaningful share of the community is held as non-primary-residence property. HOA-reported amenities across listings include a pool, clubhouse, playground, dog park, park, and water access, plus trash service; as with any HOA-run amenity list, confirm current availability and access rules directly with the association before assuming anything is included or open.
The location and the amenities are priced into every listing in Saddle Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Saddle Oaks buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.0). Basis: Recent Direction -2.8% year-over-year; Liquidity & Demand 2.5 months of supply; Owner Commitment 29% owner-occupied; Pricing Power 97.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A 16-listing active pool with 2.1 months of supply is not a market where you can watch from the sidelines and expect the same options to be there in a few weeks. Momentum tracks Saddle Oaks inventory and closed comps as they hit the Duval County MLS feed, so pricing and offer strategy are built on the current 92-home closing window rather than a stale citywide average.
Saddle Oaks in 15 seconds.
HOA, CDD & Fees
- No CDD
- HOA reported ~$258/quarter
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Page states no CDD.
Flood & Insurance Context
Of 8 sampled listing addresses: 88% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 12% in an A-series SFHA zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=8) · as of 2026-08
Tools for a Saddle Oaks buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Saddle Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Saddle Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Saddle Oaks home worth?
Get a no-obligation home value based on real comparable sales in Saddle Oaks, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Saddle Oaks on the map →
Frequently Asked Questions
What is the median home price in Saddle Oaks?
How long do homes in Saddle Oaks take to sell?
Is Saddle Oaks a buyer's or seller's market right now?
How many homes are in Saddle Oaks?
What share of Saddle Oaks is owner-occupied?
When were the homes in Saddle Oaks built?
What schools serve Saddle Oaks?
Who is the best real estate agent for Saddle Oaks?
How do I find a top Jacksonville real estate agent who knows Saddle Oaks?
Can Momentum Realty connect me with an agent for Saddle Oaks?
Should you buy in Saddle Oaks?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 1, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 1, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32218/32219)) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2024 (220 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Saddle Oaks fits the bigger picture — live prices, inventory, and Momentum Scores: