212 days on market (MLS)Single Family ResidenceOpen house Sat, Oct 3, 10 AM–12 PM
$399,999
3-Bedroom Home in Springfield
131 Cottage Avenue, Jacksonville, FL 32206
Single Family Residence in Springfield, Jacksonville · No CDD on record
Springfield · Jacksonville, FL 32206 · Duval County
Listing data updated October 1, 2026 · refreshed hourly
3Bedrooms
2.5Bathrooms
1,552Sq Ft
1922Year Built
$258Per Sq Ft
No CDD on recordFEMA Zone X
Open house
Sat, Oct 3, 10 AM–12 PM
Times per the listing broker in the MLS; confirm before you go. Updated hourly.
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.
50% above
$/sq ft vs community
$258 here vs $172 median sold (12 mo)
Buyer leverage
Buyer advantage
212 days on market
5.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~22 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 1, 2026, 131 COTTAGE Avenue in Springfield, Jacksonville is listed at $399,999 (1,552 sq ft, about $258 per sq ft). That is 30% above Springfield's median closed sale of $307,000 over the last 12 months (81 recorded sales). Per square foot it is above the community's recent $172/sq ft by about 50%. It has been 212 days on market, longer than the community's typical 59 days to contract. Listing facts: built in 1922, 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 1922 · 104 yrs
1,552 sq ft of living area
212 days on market
No HOA reported by the listing (confirm)
School district: HOA No HOA and no CDD on most homes County Duval County Florida Schools Duval County Public SchoolsCommunity built 1902–2026Othello · 1 min driveFoxy Lady Cafe · 1 min driveProfessional Offices Building (POB) · 2 min drive
Listing description
About this home
NEW FLOORING THROUGHOUT. Seller is motivated and welcomes serious offers. Tenant recently vacated and easy to show.
Live in the heart of Historic Springfield in this beautifully updated 3-bedroom, 2.5-bath home that blends classic charm with modern style. This thoughtfully redesigned single-story residence offers a bright, open layout with abundant natural light, hardwood and tile flooring throughout, and contemporary finishes at every turn. The kitchen is a true standout, featuring sleek quartz countertops, stainless steel appliances, refreshed cabinetry, and plenty of prep and storage space.
Outside, you'll find off-street parking and a generously sized, fully fenced backyard--perfect for relaxing, entertaining, or giving pets room to roam. Located just minutes from Downtown Jacksonville and within walking distance to popular restaurants, shops, and nightlife, this home offers both character and convenience. Easy access to public transportation.
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All 39 photos
Description provided by PONTE VEDRA CLUB REALTY, INC. 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$399,999
Bed / bath3 / 2.5
Living area1,552 sq ft
Year built1922
Property typeSingle Family Residence
MLS #2132656
Listing status212 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~22 ft
CountyDuval
Area listings38 active · 14 under contract
Estimated first-year tax~$6,250/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$258
Estimated monthly payment$2,873
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$307,000
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
$2,873/mo
Principal & interest $2,135/mo74%
Taxes $521/mo18%
Insurance $217/mo8%
$2,873/mo at 20% down, 30-yr @ 7.03% · 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 $4,500/yr ($375/mo) — taxable value $252,124 × 17.86 mills
$1,750 more each year
(+39%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$252,124
Market value
$252,124
Assessed
$252,124
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)
$2k–$4k/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
~22 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 · Springfield
Pricing & the Springfield market
How this home is priced against recent nearby sales, and where Springfield 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 Springfield
Each dot is a closed sale since 2001 (2809 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 $258/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 32 (cold).
Property timeline
This home’s history
1922BuiltPer public record
About Mar 2026Listed (per MLS)MLS reports 212 cumulative days on market as of October 1, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $399,999
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 $399,999Momentum Realty · on market 212 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
Only 1 closed sale within about 10 miles in Duval County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Sold Sep 2026
$499,000
1132 N MARKET Street, Jacksonville
3 / 2.5 bd/ba · 1,552 sq ft · $322/sq ft
Courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY · View details →
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
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. Only 1 qualifies 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 1,552 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 1, 2026.
Momentum Scores
Momentum Property Score
47/100
Strongest on: Flood safety (95), Pricing power (72)
0 limited50100 exceptional
47/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $258/sq ft vs the community 12-month median $172/sq ft.
Affordability0
List price $399,999 vs the community median $307,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~22 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1922 build. Obtain a property-specific quote.
Market liquidity43
Community median 59 days on market, ~5.6 months of supply (12-month record).
Pricing power72
Recent sales closed at about 93.6% of original asking (~6.4% below). More room below asking generally favors buyers.
Market timing68
Momentum Market Heat is 32/100 (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
🟢 Buyer-leaning conditions around this listing. 5.6 months of supply in the surrounding market and 212 days on market for this home, against a 59-day area median.Days on market:this home 212Area median: 59 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 $258 per square foot, about 50% above the community’s $172 median. Springfield’s 12-month median sold price per square foot is $172. Median sold price per square foot is down 7.8% year over year. Confidence: Very High · 81 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.
Recent Springfield sales closed near 93.6% 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 38 active listings in Springfield, no CDD assessment.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by PONTE VEDRA CLUB REALTY, INC. · MLS # 2132656
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Keep looking
Similar homes for sale near Springfield
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.
Jan 2026 · Civic
City Council approves sale of historic Springfield Armory to redevelopment nonprofit
Jacksonville City Council voted 17-0 on Jan. 13 to sell the city-owned former Florida National Guard Armory at 851 N. Market St. to a subsidiary of Fort Lauderdale-based REVA Development Corp. for $3.04 million. The 1916 building, slated since 2019 for a mixed-use conversion with galleries, co-working, a food hall and a microbrewery, has had only roof and minor repairs to date, with full rehab estimated near $30 million.
Why it matters: Transferring a long-stalled landmark to private ownership may set up adaptive reuse, though the timeline for actual construction remains uncertain.
SPAR acquires historic Drew Mansion for community-space rehab
Springfield Preservation and Revitalization announced Dec. 8 it had acquired the 1909 Drew Mansion at 245 W. Third St. and launched a $1.5 million campaign to rehabilitate and operate it. Plans call for converting the deteriorated landmark into a publicly accessible community space and archive with low-cost office space.
Why it matters: Stabilizing a deteriorated landmark through preservation may reinforce the historic character that distinguishes Springfield's housing stock.
Corner on Main apartments completed in Springfield
Corner on Main, a 202-unit mixed-use development at 1148 N. Main St., reached completion in early 2025, preserving a 1928 art-deco landmark while adding roughly 324,708 square feet of residences and ground-floor retail. The roughly $59 million project, built by Summit Contracting Group, features hidden parking, resort-style pools and Emerald Trail access.
Why it matters: A large new apartment count on Main Street may expand rental housing supply and street-level activity along Springfield's primary corridor.
Officials break ground on Hogan Street Link of the Emerald Trail
City and private leaders broke ground Sept. 25 on the Hogan Street Link, narrowing Hogan Street to one northbound lane with a two-way bike lane from Riverfront Plaza to Union Street. Full completion is targeted for early 2027; a later phase extending into Springfield to FSCJ awaits funding after a federal grant was voided in mid-2025.
Why it matters: Extending the Emerald Trail toward Springfield could improve pedestrian and bike connectivity, a feature increasingly cited near urban-core homes.
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.
GRADEC
Andrew A. RobinsonAssigned elementary school · Duval County School District · Grade C (Florida DOE 2025-26)
Matthew GilbertAssigned middle school · Duval County School District
GRADEB
William M. RainesAssigned high school · Duval County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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.
Dining
Othello 1 min
Shopping
Hope Centre Mall 7 min
Parks
Henry J. Klutho Park 3 min
Health
Professional Offices Building (POB) 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 131 COTTAGE Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1922 (104 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 1,552 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 $6,250/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,750 more per year than the current owner’s estimated bill (+39%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 1, 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 131 COTTAGE Avenue and when was it built?
Per the listing record, 131 COTTAGE Avenue was built in 1922 and has 1,552 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 131 COTTAGE Avenue in?
131 COTTAGE Avenue is in Springfield 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 131 COTTAGE 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 131 COTTAGE Avenue differ from the current owner's?
The estimate on this page (about $6,250 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,750 more per year than the current owner’s estimated bill (+39%). 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 131 COTTAGE 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 131 COTTAGE 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.
