3 bedroom Single Family Residence at 9104 Monroe Avenue, Riverview Estates, Jacksonville — photo 1Front elevation
3 bedroom Single Family Residence at 9104 Monroe Avenue, Riverview Estates, Jacksonville — photo 2Living space
3 bedroom Single Family Residence at 9104 Monroe Avenue, Riverview Estates, Jacksonville — photo 3Kitchen
3 bedroom Single Family Residence at 9104 Monroe Avenue, Riverview Estates, Jacksonville — photo 4Owner's suite
3 bedroom Single Family Residence at 9104 Monroe Avenue, Riverview Estates, Jacksonville — photo 5Exterior / yardView all 8 photos →
Pending Single Family Residence
$189,995
3-Bedroom Home in Riverview Estates

9104 Monroe Avenue, Jacksonville, FL 32208

Single Family Residence in Riverview Estates, Jacksonville · No CDD · Built 2022
Riverview Estates · Jacksonville, FL 32208 · Duval
Listing data updated September 28, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,220Sq Ft
2022Year Built
$156Per Sq Ft
1-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
47% above
$/sq ft vs community
$156 here vs $106 median sold (12 mo)
Zone X
Flood risk
Minimal hazard per FEMA; ~12 ft elevation
$500–$1k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 3 of 4
Price vs recent sales
Asking $190k tops 3 of the last 4 closed sales

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of September 28, 2026, 9104 MONROE Avenue in Riverview Estates, Jacksonville is listed at $189,995 (1,220 sq ft, about $156 per sq ft). That is 153% above Riverview Estates's median closed sale of $75,000 over the last 12 months (3 recorded sales). Per square foot it is above the community's recent $106/sq ft by about 47%. It has been 16 days on market, well inside the community's typical 35 days. Listing facts: built in 2022, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2022 · 4 yrs
  • 1,220 sq ft of living area
  • 1-car garage
  • Listed at $189,995 — recent neighborhood median sale price ~$75,000 (nearby sales; deemed reliable, not an appraisal)
  • 16 days on market
  • HOA ~$50/mo (estimate; confirm)
Momentum Research · Riverview Estates

Pricing & the Riverview Estates market

How this home is priced against recent nearby sales, and where Riverview Estates has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales9143 MADISON Avenue9143 MADISON Avenue: $39/sq ft$391819 CLYDE Street1819 CLYDE Street: $114/sq ft$114This homeThis home: $156/sq ft$156Community median $106
Property timeline

This home’s history

  • 2022BuiltPer public record
  • Aug 20, 2026First trackedObserved at $189,900 · 16 days on market
  • Aug 28, 2026Price increase$189,995 (+$95, +0.1%)
  • NowUnder contractCurrently pending

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Financing

Estimated monthly payment

$1,300/mo
  • Principal & interest $1,014/mo 78%
  • Taxes $180/mo 14%
  • Insurance $55/mo 4%
  • HOA $50/mo 4%

$1,300/mo at 20% down, 30-yr @ 7.03% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Based on certified county tax roll
Estimated property taxes after purchase
$2,500/yr
≈ $208/mo·effective rate ~1.32%
Estimated from today’s asking price and current Duval County tax rates.
⚠️

Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.

Current owner pays $3,075/yr ($256/mo)
-$575 more each year
(--19%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$171,670
Market value
$171,670
Assessed
$171,670
Taxable
Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.

Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Duval County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively High
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveRelatively High
Winter weatherVery Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Momentum Scores

Momentum Property Score

47/100
Strongest on: Flood safety (90), Insurance cost (80)
0 limited50100 exceptional

47/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area0
This home $156/sq ft vs the community 12-month median $106/sq ft.
Affordability0
List price $189,995 vs the community median $75,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~12 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2022 build. Obtain a property-specific quote.
Market liquidity72
Community median 35 days on market (12-month record).
Renovation upside10
From a 2022 build and $156/sq ft vs the community median $106/sq ft. Not a condition assessment.
Pricing power76
Recent sales closed at about 92.9% of original asking (~7.1% below). More room below asking generally favors buyers.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Asking $156 per square foot, about 47% above the community’s $106 median. Riverview Estates’s 12-month median sold price per square foot is $106. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated September 28, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Welcome to this beautiful 3-bedroom, 2 -bathroom home offering 1,220 square feet of comfortable living space. Perfectly designed for families or those seeking extra room, this home provides the perfect balance of convenience and charm. Upon entering, you'll be greeted by a bright and airy living room with plenty of natural light, creating a welcoming atmosphere.

The open floor plan flows seamlessly into the dining area and kitchen, ideal for entertaining or daily living. Outside, the backyard offers plenty of space for outdoor activities, or gardening. Don't miss out on this wonderful opportunity to own a cozy and well-maintained home.

Schedule a tour today! Preferred lender incentives please see flyer in document section for more details. Back on the market as buyer financing fell through**

All 8 photos

9104 Monroe Avenue, Jacksonville FL - photo 6 of 89104 Monroe Avenue, Jacksonville FL - photo 7 of 89104 Monroe Avenue, Jacksonville FL - photo 8 of 8

Description provided by MOMENTUM REALTY and reproduced from the MLS; not independently verified.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$189,995
Bed / bath3 / 2
Living area1,220 sq ft
Year built2022
Property typeSingle Family Residence
Garage1-car
MLS #2160915
Listing statusPending

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~12 ft
Windstorm exposureModerate
CountyDuval
Estimated first-year tax~$2,166/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$156
Estimated monthly payment$1,300
Insurance (illustrative)$500–$1k/yr
Comparable-sales median$75,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$113,460the mess$145,180

Actual list price: $189,995 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 28% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 16 days on market vs. a 35-day community median

For reference, this home is listed at $189,995 ($156/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,220 sq ft × $93–$119/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 28, 2026.

Keep looking

Similar homes for sale near Riverview Estates

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Newest listings in Jacksonville

  • 10200 Belle Rive Boulevard #255, Jacksonville · $125,000 · 1 bd / 1.0 ba · listed September 28, 2026 (courtesy of BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY)
  • 5938 Pavilion Drive, Jacksonville · $270,000 · 3 bd / 2.5 ba · listed September 28, 2026 (courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS)
  • 9658 Gibson Avenue, Jacksonville · $120,000 · 3 bd / 1.5 ba · listed September 28, 2026 (courtesy of AVALON GROUP USA LLC)
  • 4609 Cambridge Road, Jacksonville · $249,700 · 4 bd / 2.0 ba · listed September 27, 2026 (courtesy of 1 PERCENT LISTS FIRST COAST)
  • 11405 Beecher Circle, Jacksonville · $365,000 · 3 bd / 2.0 ba · listed September 27, 2026 (courtesy of ROUND TABLE REALTY)
  • 3242 Dignan Street, Jacksonville · $112,000 · 3 bd / 1.0 ba · listed September 27, 2026 (courtesy of REAL BROKER LLC)
Transparency

Price & listing history

Listed for $189,995Momentum Realty · on market 16 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$2,166/yr

A rough first-year estimate only, applying a typical Duval rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$500–$1k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~12 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Seen enough photos?

Want to see 9104 MONROE Avenue?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Request a showing

or call (904) 351-6461
Market data · public records

Recent sales activity in Riverview Estates

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Riverview Estates neighborhood guide for more.

Comparable sales found
2

Recent nearby closings in the data set.

Community median sale price
$75,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$106

Canonical 12-month median $/sq ft. Reference only.

Go deeper on Riverview Estates

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Duval County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

Henry F. KiteAssigned elementary school · Duval County School District
GRADEC
Jean RibaultAssigned middle school · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEA
Jean RibaultAssigned high school · Duval County School District · Grade A (Florida DOE 2025-26)
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

Community 12-month median: $106/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$871 – $1,267/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$453 – −$96At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

Items worth confirming for 9104 MONROE Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Duval County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 1,220 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $2,166/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: September 28, 2026)
Community market statsrealMLS closed sales, as of September 28, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 9104 MONROE Avenue and when was it built?

Per the listing record, 9104 MONROE Avenue was built in 2022 and has 1,220 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 9104 MONROE Avenue in?

9104 MONROE Avenue is in Riverview Estates in Jacksonville, Duval County. The community section on this page shows recent closed sales, days on market, and active inventory for Riverview Estates from the same MLS data.

Does 9104 MONROE Avenue have an HOA?

The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.

Why might property taxes on 9104 MONROE Avenue differ from the current owner's?

The estimate on this page (about $2,166 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 9104 MONROE Avenue in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 9104 MONROE Avenue in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

Listing agent

Listed by

Listing agent · Momentum Realty
See all of PARIS YVETTE HURLEY's listings

Listing courtesy of Momentum Realty.

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site 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 Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.