Single Family Residence in San Mateo, Jacksonville · No CDD on record
San Mateo · Jacksonville, FL 32218 · Duval County
Listing data updated October 3, 2026 · refreshed hourly
4Bedrooms
2Bathrooms
1,960Sq Ft
1961Year Built
$107Per Sq Ft
No CDD on record4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
33% below
$/sq ft vs community
$107 here vs $160 median sold (12 mo)
Buyer leverage
Seller-leaning
21 days on market
3.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 5 of 11
Price vs recent sales
Asking $210k tops 5 of the last 11 closed sales; also one of the largest homes here at 1,960 sq ft
As of October 3, 2026, 11486 INEZ Drive in San Mateo, Jacksonville is listed at $210,000 (1,960 sq ft, about $107 per sq ft). That sits within a few percent of San Mateo's median closed sale of $235,000 over the last 12 months (28 recorded sales). Per square foot it is below the community's recent $160/sq ft by about 33%. It has been 21 days on market. Listing facts: built in 1961, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1961 · 65 yrs
1,960 sq ft of living area
Listed at $210,000 — recent neighborhood median sale price ~$235,000 (nearby sales; deemed reliable, not an appraisal)
21 days on market
No HOA reported by the listing (confirm)
School district: CDD County Duval County Florida Schools Duval County Public SchoolsCommunity built 1959–2025Family Asian Market · 3 min driveSan Mateo Neighborhood Park · 3 min driveAshchi Heart and Vascular · 3 min drive
Listing description
About this home
Check out this new investment property in San Mateo! This home features 4 bedrooms, 2 bathrooms and plenty of entertainment space. Looking for your next rental, flip or fixer upper?
This home might be the perfect fit! Schedule a private tour today.
All 47 photos
Description provided by HONEYCOMB REALTY LLC and reproduced from the MLS; not independently verified.
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$210,000
Bed / bath4 / 2
Living area1,960 sq ft
Year built1961
Property typeSingle Family Residence
MLS #2164488
Listing status21 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~11 ft
CountyDuval
Area listings9 active · 3 under contract
Estimated first-year tax~$2,850/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$107
Estimated monthly payment$1,501
Insurance (illustrative)$1k–$2k/yr
Messtimate range$178,360 – $276,360
Comparable-sales median$235,000
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
Financing
Estimated monthly payment
$1,501/mo
Principal & interest $1,149/mo77%
Taxes $238/mo16%
Insurance $114/mo8%
$1,501/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Duval County rate (17.86 mills, adopted 2025 millage). Not a bill.
Current owner’s estimated bill $4,175/yr ($348/mo) — taxable value $234,215 × 17.86 mills
$1,325 less each year
(−32%)
The current taxable value ($234,215) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
$12,816
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$247,031
Market value
$234,215
Assessed
$234,215
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Duval County Property Appraiser 2025 final millage chart; Duval County School Board FY2025-26 adopted millage. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
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.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/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 zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~11 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Duval County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
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.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · San Mateo
Pricing & the San Mateo market
How this home is priced against recent nearby sales, and where San Mateo 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 vs. size in San Mateo
Each dot is a closed sale since 2001 (717 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $107/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 28 (cold).
Property timeline
This home’s history
1961BuiltPer public record
About Sep 2026Listed (per MLS)MLS reports 21 cumulative days on market as of October 3, 2026
Sep 12, 2026First seen on movewithmomentum.comObserved at $210,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $210,000Momentum Realty · on market 21 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in San Mateo in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jun 2026
$208,000
11547 EMUNESS Road, Jacksonville
4 / 2 bd/ba · 1,928 sq ft · $108/sq ft
Courtesy of JENSEN REAL ESTATE GROUP LLC · View details →
Sold Sep 2026
$170,000
546 BAISDEN Road, Jacksonville
3 / 2 bd/ba · 1,858 sq ft · $91/sq ft
Courtesy of ALLISON JAMES ESTATES AND HOMES FLORIDA · View details →
Sold Sep 2026
$248,000
11524 PRINCESSA Lane, Jacksonville
3 / 2 bd/ba · 1,754 sq ft · $141/sq ft
Courtesy of CB ISAAC REALTY · View details →
Sold Jun 2026
$135,000
11448 HARLAN Drive, Jacksonville
3 / 1.5 bd/ba · 1,524 sq ft · $89/sq ft
Courtesy of FLUID REALTY, LLC. · View details →
Sold Aug 2026
$314,500
11535 RENNE Drive, Jacksonville
5 / 3 bd/ba · 2,443 sq ft · $129/sq ft
Courtesy of CROSSVIEW REALTY · View details →
Sold Sep 2026
$290,000
11419 INEZ Drive, Jacksonville
3 / 2 bd/ba · 1,420 sq ft · $204/sq ft
Courtesy of PREMIER HOMES REALTY INC · View details →
Median of these 6 sales: $235,000 ($160/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
$178,360the mess$276,360
Stronger local evidence — 6 comparable closed sales in San Mateo, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $210,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 55% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1961 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
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: 21 days on market vs. a 32-day community median
9 active listings competing, 3 under contract
≈3.9 months of supply
28 closed here in the last 12 months
For reference, this home is listed at $210,000 ($107/sq ft). The list price is the seller's asking price and is not derived from this range.
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: 1,960 sq ft × $91–$141/sq ft (interquartile band of 6 comparable closed sales in San Mateo, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Scores
Momentum Property Score
75/100
Strongest on: Price vs area (100), Market timing (72)
0 limited50100 exceptional
75/100 is strong 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 area100
This home $107/sq ft vs the community 12-month median $160/sq ft.
Affordability68
List price $210,000 vs the community median $235,000. Not a measure of personal affordability.
Market liquidity64
Community median 32 days on market, ~3.9 months of supply (12-month record).
Pricing power69
Recent sales closed at about 94.3% of original asking (~5.7% below). More room below asking generally favors buyers.
Market timing72
Momentum Market Heat is 28/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 3.9 months of supply in the surrounding market and 21 days on market for this home, against a 32-day area median.Days on market:this home 21Area median: 32 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 1, 2026.
🟡 Asking $107 per square foot, about 33% below the community’s $160 median. San Mateo’s 12-month median sold price per square foot is $160. Median sold price per square foot is up 0.0% year over year. Confidence: High · 28 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
70% of homes in San Mateo are owner-occupied. An estimated 30% are non-owner-occupied, including 12% held in a company or trust and 7% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 457 homes matched. Community-level context.
Recent San Mateo sales closed near 94.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 1, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 9 active listings in San Mateo, no CDD assessment.
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by HONEYCOMB REALTY LLC · MLS # 2164488
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Keep looking
Similar homes for sale near San Mateo
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
JWB secures funding for 108 affordable housing units in Jacksonville
Jacksonville Today reported that JWB Real Estate Capital secured about $28.59 million in gap funding for 108 income-restricted units across three Westside sites on Tracy, Justina and Ricker roads. Plans include 38 townhome-style units and two sets of 35 efficiency units, priced at or below 60% of area median income for 50 years. Groundbreaking is expected by September 2026 with completion in 2027.
Why it matters: Adds new income-restricted rental and townhome housing supply on the Westside, increasing the stock of long-term affordable units and drawing public and tax-credit investment into three infill sites. The project is about 16 miles southwest of San Mateo, elsewhere in Duval County.
Culinary Institute of America selects Jacksonville for Southeast campus
News4Jax reported that the Culinary Institute of America chose downtown Jacksonville for its Southeast hub, to be located at 330 E. Bay Street on the Northbank riverfront. The campus would anchor a $160.5 million hotel and convention center development. The city previously approved up to $35 million in incentives, and the Downtown Investment Authority is finalizing agreements on design and property details.
Why it matters: Anchors a major downtown riverfront redevelopment that pairs an educational campus with hotel and convention space, adding institutional and commercial investment to the urban core alongside Riverfront Plaza and Pearl Square. The project is about 8 miles south of San Mateo, elsewhere in Duval County.
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
Why it matters: Continued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The project is about 21 miles southwest of San Mateo, elsewhere in Duval County.
Southeast Toyota opens $170M vehicle-processing facility at JAXPORT's Blount Island, adding 400-plus jobs
Southeast Toyota Distributors dedicated a new vehicle processing facility at JAXPORT's Blount Island Marine Terminal in April 2026. The company put the investment at $170 million and said the facility created more than 400 full-time jobs, most of them hired locally.
Why it matters: A large new employment center on Blount Island adds sustained local job demand, a factor that has historically supported nearby housing absorption. The site is about 8 miles southeast of San Mateo.
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.
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.
GRADEB
San Mateo Elementary (Duval, magnet)Public PreK-5 · Duval County School District · Grade B (Florida DOE 2025-26)
GRADEC
Highlands Middle School (Duval)Public 6-8 · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEC
First Coast High School (Duval)Public 9-12 · Duval County School District · Grade C (Florida DOE 2025-26)
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Family Asian Market 3 min
Dining
Xtreme Wings Sports Bar and Grille 4 min
Shopping
North Point Center 6 min
Parks
San Mateo Neighborhood Park 3 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 11486 INEZ Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1961 (65 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
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 1,960 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 $2,850/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,325 less per year than the current owner’s estimated bill (−32%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 3, 2026)
Comparable sales
realMLS closed sales in San Mateo, last 18 months, as of October 1, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 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 11486 INEZ Drive and when was it built?
Per the listing record, 11486 INEZ Drive was built in 1961 and has 1,960 sq ft of living area, 4 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 11486 INEZ Drive in?
11486 INEZ Drive is in San Mateo in Jacksonville, Duval County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 11486 INEZ Drive 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 11486 INEZ Drive differ from the current owner's?
The estimate on this page (about $2,850 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,325 less per year than the current owner’s estimated bill (−32%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 11486 INEZ Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 11486 INEZ Drive 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.
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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
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.
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.
