Single Family Residence in Ramsgate, Jacksonville · No CDD · FEMA Zone X
Ramsgate · Jacksonville, FL 32223 · Duval
Listing data updated July 2, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,896Sq Ft
1977Year Built
$251Per Sq Ft
2-car garageNo CDDFEMA Zone X
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 1977 · 49 yrs
1,896 sq ft of living area
2-car garage
$251/sq ft — compared with the displayed median of $226 from recent nearby sales
Listed at $475,000 — recent neighborhood median sale price ~$502,500 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA ~$50/mo (estimate; confirm)
This listing is shown at $475,000, with 3 bedrooms and 2 bathrooms, and 1,896 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms3
Bathrooms2
Living area1,896 sq ft
Year built1977
Property typeSingle Family Residence
Financial
Est. monthly payment$3,236
Est. taxes / yr~$5,415
Est. insurance / yr~$3,092
HOA$50/mo
CDDNone on record
Price / sq ft$251
Risk
Flood zoneZone X
Ground elevation~20 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$3,092/yr
Market
Neighborhood median DOM64
Active listings (area)36
Months of supply2.8
Comparable-sales median$502,500
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$3,092/yr
Estimated homeowners premium; get a real quote.
Months of supply
2.8 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
46/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$3,236/mo
Principal & interest $2,477/mo77%
Taxes $451/mo14%
Insurance $258/mo8%
HOA $50/mo2%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
57/100
Strongest on: Flood safety (95), Affordability (59)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
Price vs area22
This home $251/sq ft vs area median $226/sq ft from recent nearby sales.
Affordability59
List price $475,000 vs area median $502,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost53
From FEMA Zone X and a 1977 build. Obtain a property-specific quote.
Market liquidity58
Area median 64 days on market, ~2.8 months of supply.
Investment metrics52
Objective supply and demand metrics for the area - not investment advice.
Renovation upside57
From a 1977 build and $251/sq ft vs area $226/sq ft. Not a condition assessment.
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.
Listing facts & disclosures
$475,000
List price
As listed in the MLS
3 / 2
Bed / bath
Per the listing
1,896
Living area
Sq ft (approx.)
$251
Price / sq ft
List ÷ living area
The home
Year built1977
Per public record.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$5,415/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
The Messtimate™
The Messtimate: $377,304 – $479,688
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.
$377,304the mess$479,688
Actual list price: $475,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
36 active listings competing in Ramsgate
21 under contract now
37% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈2.8 months of supply (one market-context metric; should not be used alone)
3 new-construction homes competing
Median sale price is up 38% over the last 127 months
Homes here sell at about 97.9% of list price
155 closed here in the last 12 months
For reference, this home is listed at $475,000 ($251/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.
Methodology: 1,896 sq ft × $199–$253/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 2, 2026.
Market analysis
Ramsgate market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
36Active listings
21Under contract
3New this month
2.8Months of supply
64Median days on market
37%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Property timeline
This home’s history
1977BuiltPer public record
Jul 2, 2026First trackedObserved at $475,000
NowActiveCurrently for sale
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.
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$2,177 – $3,167/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,122 – −$231At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$475,000
Bed / bath3 / 2
Living area1,896 sq ft
Year built1977
Property typeSingle Family Residence
MLS #2153517
Listing statusActive
Days on marketNot available on this page
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
CountyDuval
Estimated first-year tax~$5,415/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$251
Estimated monthly payment$3,236
Estimated insurance~$3,092/yr
Messtimate rangeNot available on this page
Comparable-sales median$502,500
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
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$3,236
Principal & interest$2,477
Property tax$451
Insurance$258
CDD assessment$0
HOA$50
PMI$0
Down payment $95,000 · Loan $380,000. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$5,415/yr
The seller likely pays less due to the homestead cap. At a $475,000 purchase, expect your first full-year Duval bill near $5,415 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$3,092/yr
Estimate for a 1977 build in Duval. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
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
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Ramsgate
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 Ramsgate neighborhood guide for more.
Comparable sales found
2
Recent nearby closings in the data set.
Median sale price (set)
$502,500
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$226
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$251
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Ramsgate
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Retail Dining
Burlington appears to be adding a second smaller Mandarin store
Burlington Stores appears to be pursuing a second Mandarin area location in about 28,020 square feet at Riverplace Shopping Center. The company indicated it would likely share more information later in the year closer to 2027 and said it has no current plans to close its existing Old St. Augustine Plaza store.
Why it matters: If it moves forward, the store could add to retail options in the area, though timing remains uncertain.
A closed Burger King at 11031 Old St. Augustine Road in Mandarin is in review for conversion into a Dairy Queen Grill and Chill. Depending on permits, construction could start in time for an October opening. The property owner leases the site to the franchisee group.
Why it matters: The proposal could bring another quick service dining option to the corridor if permitting proceeds.
Raising Cane's issued permits at Mandarin Corners on San Jose Boulevard
The city issued permits May 29 for Raising Cane's Chicken Fingers to build on a 1.05 acre site at 10989 San Jose Blvd in the Mandarin Corners shopping center, south of Interstate 295. It would be the chain's fourth identified Jacksonville site.
Why it matters: A high-volume drive-thru brand committing to Mandarin Corners may reinforce San Jose Boulevard's standing as a regional retail spine, which could support surrounding commercial occupancy.
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.
Mandarin Oaks Elementary SchoolPreK-5 · Duval County School District
Mandarin Middle School6-8 · Duval County School District
Mandarin High School9-12 · Duval County School District
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.
Sold Jun 2026
$455,000
11705 EDINBURGH Way, Jacksonville
4 / 2.5 bd/ba · 2,027 sq ft · $224/sq ft
Courtesy of SUPER SELLER · View details →
Sold Jun 2026
$550,000
11526 BASKERVILLE Road, Jacksonville
4 / 2.5 bd/ba · 2,403 sq ft · $229/sq ft
Courtesy of CRYSTAL CLEAR REALTY, LLC · View details →
Median of the set: $226/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.
Keep looking
Similar homes for sale near Ramsgate
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.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
Welcome to this beautifully renovated home in the heart of Mandarin's highly sought-after Ramsgate community. Nestled beneath mature oaks on a spacious lot, this move-in-ready residence blends timeless architecture with today's most desirable finishes.
Step through the double-door entry into a light-filled living room featuring soaring ceilings, a stunning floor-to-ceiling stone fireplace, and an inviting open layout perfect for everyday living and entertaining.
The designer kitchen is the heart of the home, showcasing custom white shaker cabinetry, quartz countertops, a marble herringbone backsplash, stainless steel appliances, and a generous breakfast bar overlooking the living and dining spaces.
The oversized primary suite offers a peaceful retreat with a luxurious spa-inspired bathroom featuring dual vanities and a large walk-in shower. Two additional bedrooms are generously sized and share a beautifully renovated guest bath. Major upgrades include a new HVAC system, new garage door and opener, luxury vinyl plank flooring throughout, fully renovated kitchen and bathrooms, CPVC water supply lines, PVC drain lines, a 2018 water heater, and a 2009 architectural shingle roof, providing peace of mind for years to come.
Enjoy the cozy patio, expansive backyard, and the convenience of a voluntary HOA with no CDD fees. Ideally located just minutes from top-rated schools, shopping, dining, parks, I-95, and I-295, this exceptional home offers the perfect combination of luxury, comfort, and location.
Move-in ready and beautifully updated--this is the Mandarin home you've been waiting for.
Description provided by FLORIDA HOMES REALTY & MTG LLC and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms3
Bathrooms2
Living area1,896 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built1977
Age49 yrs
Listing
MLS #2153517
StatusActive
Days on market0
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $475,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result 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.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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 11430 SCOTT MILL Road 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.
Momentum Realty · licensed in FL & GA
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 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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
