Single Family Residence in The Arbors, Jacksonville · No CDD · FEMA Zone X · Built 2026
The Arbors · Jacksonville, FL 32218 · Duval
Listing data updated July 10, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,646Sq Ft
2026Year Built
$202Per Sq Ft
2-car garageNew constructionNo CDDFEMA Zone X
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
New construction — built 2026
1,646 sq ft of living area
2-car garage
$202/sq ft — compared with the displayed median of $202 from recent nearby sales
Listed at $332,395 — recent neighborhood median sale price ~$322,288 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
School district: HOA HOA reported at about 122 dollars County Duval County Florida Schools Duval County Public SchoolsCommunity built 1982–2026All Kids Care of North Jacksonville · 4 min driveChina Wok · 5 min driveGarden City Park-Lem Turner · 5 min drive
This listing is shown at $332,395, with 3 bedrooms and 2 bathrooms, and 1,646 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 area1,646 sq ft
Year built2026
Property typeSingle Family Residence
Financial
Est. monthly payment$2,187
Est. taxes / yr~$3,789
Est. insurance / yr~$1,047
HOA$50/mo
CDDNone on record
Price / sq ft$202
Risk
Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~19 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$1,047/yr
Market
Days on market2
Neighborhood median DOM23
Active listings (area)27
Months of supply2.3
Comparable-sales median$322,288
This home2d
Area median23d
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
~$1,047/yr
Estimated homeowners premium; get a real quote.
Months of supply
2.3 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
62/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$2,187/mo
Principal & interest $1,734/mo79%
Taxes $316/mo14%
Insurance $87/mo4%
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
59/100
Strongest on: Flood safety (95), Insurance cost (80)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.
Price vs area50
This home $202/sq ft vs area median $202/sq ft from recent nearby sales.
Affordability45
List price $332,395 vs area median $322,288. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~19 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity77
Area median 23 days on market, ~2.3 months of supply.
Investment metrics55
Objective supply and demand metrics for the area - not investment advice.
Renovation upside10
From a 2026 build and $202/sq ft vs area $202/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
$332,395
List price
As listed in the MLS
3 / 2
Bed / bath
Per the listing
1,646
Living area
Sq ft (approx.)
$202
Price / sq ft
List ÷ living area
The home
Year built2026
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~$3,789/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~19 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
Recent sold prices in this community
The Messtimate™
The Messtimate: $327,554 – $348,952
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.
$327,554the mess$348,952
Actual list price: $332,395 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 7% 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:
This home: 2 days on market vs. a ~23-day neighborhood median
27 active listings competing in The Arbors
16 under contract now
37% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈2.3 months of supply (one market-context metric; should not be used alone)
23 new-construction homes competing
Median sale price is up 9% over the last 36 months
Homes here sell at about 100.0% of list price
143 closed here in the last 12 months
For reference, this home is listed at $332,395 ($202/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: 1,646 sq ft × $199–$212/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.
Market analysis
The Arbors 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).
27Active listings
16Under contract
23New this month
2.3Months of supply
23Median 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
2026BuiltPer public record
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$1,523 – $2,216/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$708 – −$84At 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$332,395
Bed / bath3 / 2
Living area1,646 sq ft
Year built2026
Property typeSingle Family Residence
MLS #2154189
Listing statusNew — 2 days on market
Days on market2
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~19 ft
CountyDuval
Estimated first-year tax~$3,789/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$202
Estimated monthly payment$2,187
Estimated insurance~$1,047/yr
Messtimate range$327,554 – $348,952
Comparable-sales median$322,288
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
$2,187
Principal & interest$1,734
Property tax$316
Insurance$87
CDD assessment$0
HOA$50
PMI$0
Down payment $66,479 · Loan $265,916. 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
~$3,789/yr
The seller likely pays less due to the homestead cap. At a $332,395 purchase, expect your first full-year Duval bill near $3,789 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$1,047/yr
Estimate for a 2026 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
~19 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 The Arbors
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 The Arbors neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Median sale price (set)
$322,288
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$202
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$202
List price divided by living area. Provided as data, not a value judgment.
Go deeper on The Arbors
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.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Victoria Food Mart 6 min
Dining
China Wok 5 min
Shopping
Campus Corners 7 min
Parks
Garden City Park-Lem Turner 5 min
In the area
Recent The Arbors news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Mar 2026 · Development
North Jacksonville residents press Council over the pace of residential growth
About 405 single-family homes have been approved across North Jacksonville since January 2025, prompting hours of public testimony at City Council and Land Use and Zoning meetings. Residents and some Council members are debating lot sizes, road capacity and school capacity as previously rural, large-lot areas see denser infill. In January, Council approved $6.96 million for Pecan Park Road and Dunn Avenue improvements to help offset added traffic.
Why it matters: Continued rezoning activity and infrastructure debate on the Northside could influence how quickly road and utility upgrades reach newer subdivisions in the Lem Turner and airport corridor.
Suddath begins clearing a 315-acre Airport Commerce Center near the airport
Jacksonville-based Suddath received city permits in mid-December to start horizontal work on Airport Commerce Center, a three-phase, 315-acre industrial park west of Pecan Park Road just north of Jacksonville International Airport. The park is designed for up to seven buildings, and the first major structure will be a roughly 1 million square foot distribution center. JEA is reviewing utility service for an additional warehouse exceeding 1 million square feet in a later phase.
Why it matters: A large logistics park near the airport corridor may, over time, add area employment that supports demand for nearby entry-level housing.
North Jacksonville cold storage warehouse sells for $192 million
DHL Supply Chain sold its 625,308 square foot refrigerated warehouse at 10030 Eastport Road in North Jacksonville in December 2025 for $192 million to a New York private equity firm. The facility, built in 2025 after a city incentive, includes a large cooler, dry warehouse space and office area, and was agreed to create about 100 full-time jobs. The sale ranks among the largest North Jacksonville industrial transactions of the year.
Why it matters: High-value logistics sales in the Northside submarket signal continued investor interest that historically tends to accompany area job growth.
Dave's Hot Chicken seeks a permit to open in River City Marketplace
A Dave's Hot Chicken franchisee signed a lease and entered city permitting to renovate the closed Pollo Tropical at 730 Skymarks Drive in River City Marketplace. The roughly $950,000 build-out keeps the existing drive-thru and adds indoor and patio seating totaling about 92 seats. The franchisee anticipated opening by early 2026 and hiring 40 to 45 employees.
Why it matters: New dining at River City Marketplace could expand the everyday retail and restaurant draw within a short drive of nearby Northside subdivisions.
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.
Garden City Elementary (Duval)Public K-5 · Duval County School District
Highlands Middle School (Duval)Public 6-8 · Duval County School District
Jean Ribault High School (Duval)Public 9-12 · 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
$324,490
12462 RUSSIAN OLIVE Road, Jacksonville
4 / 2 bd/ba · 1,609 sq ft · $202/sq ft
Courtesy of D R HORTON REALTY INC · View details →
Sold Jun 2026
$325,395
4130 CAPER TREE Way, Jacksonville
4 / 2 bd/ba · 1,609 sq ft · $202/sq ft
Courtesy of D R HORTON REALTY INC · View details →
Sold May 2026
$320,085
12184 YEW TREE Road, Jacksonville
4 / 2 bd/ba · 1,609 sq ft · $199/sq ft
Courtesy of D R HORTON REALTY INC · View details →
Sold Jun 2026
$326,940
12190 YEW TREE Road, Jacksonville
4 / 2 bd/ba · 1,489 sq ft · $220/sq ft
Courtesy of D R HORTON REALTY INC · View details →
Sold Jun 2026
$295,000
12780 CACAO TREE Trail, Jacksonville
4 / 2 bd/ba · 1,488 sq ft · $198/sq ft
Courtesy of ERA ONETEAM REALTY · View details →
Sold Jun 2026
$308,940
12214 YEW TREE Road, Jacksonville
3 / 2 bd/ba · 1,459 sq ft · $212/sq ft
Courtesy of D R HORTON REALTY INC · View details →
Median of the set: $202/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 The Arbors
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
The Berkeley+ floor plan features 1,647 square feet of thoughtfully designed living space, perfectly suited for first time homebuyers or those looking to downsize while maintaining comfort and style. This home features three spacious bedrooms and two full bathrooms, offering ample room for families, guests, or a home office. The open-concept design creates a bright and inviting atmosphere, with plenty of windows and a vaulted ceiling in the main living areas, seamlessly connecting the kitchen, dining, and living areas great for easy entertaining and everyday living. The kitchen provides generous counter space, plenty of storage, and a practical layout. Retreat to the main bedroom suite with its private bathroom, designed as a peaceful sanctuary to unwind after a busy day. Additional highlights include a two-car garage for convenience and flexible living spaces that adapt to your unique needs.
Description provided by D R HORTON REALTY INC and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms3
Bathrooms2
Living area1,646 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built2026
Age0 yrs
Listing
MLS #2154189
StatusActive
Days on market2
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 $332,395Momentum Realty · on market 2 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 12131 YEW TREE 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.
