55 days on market (MLS)Single Family Residence▼ Price cut: $9,100 (10/1)
$229,900
3-Bedroom Home in Riverside Gardens
1172 Woodruff Avenue, Jacksonville, FL 32205
Single Family Residence in Riverside Gardens, Jacksonville · No CDD on record
Riverside Gardens · Jacksonville, FL 32205 · Duval County
Listing data updated October 13, 2026 at 3:53 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
1,030Sq Ft
1946Year Built
$223Per Sq Ft
No CDD on recordFEMA Zone X
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.
4% below
$/sq ft vs community
$223 here vs $233 median sold (12 mo)
Buyer leverage
Balanced market
55 days on market
4.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~19 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 13, 2026, 1172 WOODRUFF Avenue in Riverside Gardens, Jacksonville is listed at $229,900 (1,030 sq ft, about $223 per sq ft). That is 33% below Riverside Gardens's median closed sale of $342,296 over the last 12 months (101 recorded sales). It has been 55 days on market. Listing facts: built in 1946, 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 1946 · 80 yrs
1,030 sq ft of living area
55 days on market
No HOA reported by the listing (confirm)
School district: Schools Riverside is part of Duval County Public SchoolsCommunity built 1904–2026Kroger · 1 min driveBold Bean Coffee Roasters · 1 min driveDilightfull Expressions · 2 min drive
Listing description
About this home
Welcome to this beautifully remodeled home tucked away on a quiet street in highly sought-after Murray Hill! From the moment you step inside, you'll be greeted by an inviting open-concept layout filled with abundant natural light and stylish, modern finishes. Offering 3 bedrooms and 2 full bathrooms, the thoughtfully designed floor plan provides comfortable living spaces with plenty of room to entertain.
Step outside and discover a deep lot with a spacious backyard, offering endless possibilities for outdoor gatherings, entertaining, gardening, or simply enjoying your own private space. Beyond the cosmetic updates, this home offers valuable major improvements, including a brand-new roof and water heater, new electrical wiring, new plumbing supplies, along with a 2021 HVAC system, providing added peace of mind for years to come. The location is truly hard to beat.
Just minutes from the vibrant dining, shopping, and entertainment found throughout Murray Hill, Riverside, and Avondale, you'll have some of Jacksonville's most beloved neighborhoods right at your fingertips. A beautifully updated home in an exceptional location--this one is not to be missed! *1% CREDIT TOWARDS CLOSING/BUYER RATE BUY DOWN AVAILABLE w/PREFERRED LENDER!*
All 25 photos
Description provided by NOMAD REALTY 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$229,900
Bed / bath3 / 2
Living area1,030 sq ft
Year built1946
Property typeSingle Family Residence
MLS #2159745
Listing status55 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~19 ft
CountyDuval
Area listings36 active · 11 under contract
Estimated first-year tax~$3,225/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$223
Estimated monthly payment$1,667
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$342,296
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
$1,667/mo
Principal & interest $1,273/mo76%
Taxes $269/mo16%
Insurance $125/mo7%
$1,667/mo at 20% down, 30-yr @ 7.4% · 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.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $1,800/yr ($150/mo) — taxable value $100,896 × 17.86 mills
$1,425 more each year
(+79%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$54,463
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.
$155,359
Market value
$100,896
Assessed
$100,896
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 insurance not federally mandated (Zone X). 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
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
~19 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 · Riverside
Pricing & the Riverside market
How this home is priced against recent nearby sales, and where Riverside has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Riverside
Each dot is a closed sale since 2001 (2902 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 $223/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 21 (cold).
Property timeline
This home’s history
1946BuiltPer public record
Aug 13, 2026First seen on movewithmomentum.comObserved at $239,000
Oct 1, 2026Price cut$229,900 (-$9,100, -3.8%)
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 $229,900Momentum Realty · on market 55 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Duval County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Riverside Gardens. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate™
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Duval County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 1,030 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 13, 2026.
Momentum Scores
Momentum Property Score
73/100
Strongest on: Affordability (100), Flood safety (95)
0 limited50100 exceptional
73/100 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 area61
This home $223/sq ft vs the community 12-month median $233/sq ft.
Affordability100
List price $229,900 vs the community median $342,296. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~19 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1946 build. Obtain a property-specific quote.
Market liquidity56
Community median 45 days on market, ~4.3 months of supply (12-month record).
Pricing power68
Recent sales closed at about 94.4% of original asking (~5.6% below). More room below asking generally favors buyers.
Market timing79
Momentum Market Heat is 21/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 7 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
🟡 Balanced conditions around this listing. 4.3 months of supply in the surrounding market and 55 days on market for this home, against a 45-day area median.Days on market:this home 55Area median: 45 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 12, 2026.
🟡 Asking $223 per square foot, about 4% below the community’s $233 median. Riverside’s 12-month median sold price per square foot is $233. Median sold price per square foot is down 6.9% year over year. Confidence: Very High · 101 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.
51% of homes in Riverside are owner-occupied. An estimated 49% are non-owner-occupied, including 19% 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), 2183 homes matched. Community-level context.
Recent Riverside sales closed near 94.4% 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 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 36 active listings in Riverside, no CDD assessment.
Updated October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by NOMAD REALTY · MLS # 2159745
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Keep looking
Similar homes for sale near Riverside Gardens
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.
Sep 2026 · Retail Dining
Fat Tuesday sets an Oct. 9 opening in Five Points
Fat Tuesday plans to open two side by side spaces on Oct. 9: a roughly 2,300 square foot kitchen and bar at 1043 Park St. and a roughly 2,700 square foot social lounge next door at 1045 Park St.
Why it matters: Another dining and nightlife addition may add foot traffic to the Five Points commercial district near Riverside homes.
Zees Subs receives a permit for a small sandwich shop build-out on King Street
The city issued a permit for an 834 square foot tenant build-out for Zees Subs at 913 King St., with an estimated cost of 45,000 dollars. The permit appeared among the city's larger commercial permits issued Sept. 17.
Why it matters: Small restaurant openings along King Street add to the walkable dining mix that many Riverside buyers cite when comparing the area with car dependent suburbs.
City Council and Planning Commission clear Fat Tuesday for a bar and nightclub in Five Points
Jacksonville City Council approved Ordinance 2026-0560 on a 17-0 vote, granting a zoning exception that lets the New Orleans based Fat Tuesday chain sell alcohol on premises, serve customers outside and run a separate nightclub in Five Points. The approval was contingent on a Planning Commission waiver for alcohol sales within 1,500 feet of a church, which the commission granted September 3. Fat Tuesday was previously a tenant at the demolished Jacksonville Landing.
Why it matters: A returning national bar brand adds to the Five Points nightlife cluster, which may matter to buyers weighing walkability against evening activity on the surrounding Riverside blocks.
Two Five Points restaurants set closing dates as district cites churn
Clarke Bros. said it would close June 20 and Prospect Five Points announced a June 9 closure, following Mossfire's exit in 2025. A Five Points Merchant Association representative described the turnover as churn rather than decline of the area and pointed to the district's new Business Improvement District, funded by an assessment on local business properties, as a tool for stabilizing the corridor.
Why it matters: Storefront turnover in the Five Points commercial node is a normal part of district cycles, and the new improvement district funding could help support tenant continuity over time.
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
Central Riverside Elementary SchoolPublic PreK-5 · Duval County School District · Grade B (Florida DOE 2025-26)
GRADEC
Lake Shore Middle SchoolPublic 6-8 · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEC
Riverside High SchoolPublic 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
Kroger 1 min
Shopping
Dilightfull Expressions 2 min
Parks
Riverside Park Duck Pond 3 min
Health
Obgyn 2 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 1172 WOODRUFF Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1946 (80 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.
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 1,030 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 $3,225/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,425 more per year than the current owner’s estimated bill (+79%). 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, checked against the MLS hourly (last: October 13, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Duval County — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
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 1172 WOODRUFF Avenue and when was it built?
Per the listing record, 1172 WOODRUFF Avenue was built in 1946 and has 1,030 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 1172 WOODRUFF Avenue in?
1172 WOODRUFF Avenue is in Riverside Gardens in Jacksonville, Duval County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 1172 WOODRUFF 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 1172 WOODRUFF Avenue differ from the current owner's?
The estimate on this page (about $3,225 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,425 more per year than the current owner’s estimated bill (+79%). 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 1172 WOODRUFF 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 1172 WOODRUFF 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.
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.