Single Family Residence in Springfield, Jacksonville · No CDD
Springfield · Jacksonville, FL 32206 · Duval
Listing data updated September 12, 2026 · refreshed twice daily
5Bedrooms
2.5Bathrooms
2,040Sq Ft
1912Year Built
$184Per Sq Ft
No CDDFEMA Zone X5 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
114% above
$/sq ft vs community
$184 here vs $86 median sold (12 mo)
Buyer leverage
Balanced market
23 days on market
7.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~18 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 3 of 5
Price vs recent sales
Asking $375k tops 3 of the last 5 closed sales; also one of the largest homes here at 2,040 sq ft
As of September 12, 2026, 1448 N PEARL Street in Springfield, Jacksonville is listed at $375,000 (2,040 sq ft, about $184 per sq ft). That is 235% above Springfield's median closed sale of $112,000 over the last 12 months (31 recorded sales). Per square foot it is above the community's recent $86/sq ft by about 114%. It has been 23 days on market. Listing facts: built in 1912, 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 1912 · 114 yrs
2,040 sq ft of living area
23 days on market
HOA ~$50/mo (estimate; 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
Momentum Research · New Springfield
Pricing & the New Springfield market
How this home is priced against recent nearby sales, and where New Springfield 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 New Springfield
Each dot is a closed sale since 2001 (501 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 $184/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 45 (normal).
Property timeline
This home’s history
1912BuiltPer public record
Aug 20, 2026First trackedObserved at $375,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,557/mo
Principal & interest $1,948/mo76%
Taxes $356/mo14%
Insurance $203/mo8%
HOA $50/mo2%
$2,557/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current Duval County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,700/yr ($308/mo)
+$2,100 more each year
(+57%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
49/100
Strongest on: Flood safety (95), Pricing power (79)
0 limited50100 exceptional
49/100 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 $184/sq ft vs the community 12-month median $86/sq ft.
Affordability0
List price $375,000 vs the community median $112,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~18 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1912 build. Obtain a property-specific quote.
Market liquidity42
Community median 40 days on market, ~7.0 months of supply (12-month record).
Renovation upside70
From a 1912 build and $184/sq ft vs the community median $86/sq ft. Not a condition assessment.
Pricing power79
Recent sales closed at about 92.2% of original asking (~7.8% below). More room below asking generally favors buyers.
Market timing55
Momentum Market Heat is 45/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
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.
Momentum Research
The Momentum read
🟡 Balanced conditions around this listing. 7.0 months of supply in the surrounding market and 23 days on market for this home, against a 40-day area median.Days on market:this home 23Area median: 40 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 September 10, 2026.
🟡 Asking $184 per square foot, about 114% above the community’s $86 median. New Springfield’s 12-month median sold price per square foot is $86. Median sold price per square foot is down 11.1% year over year. Confidence: Very High · 31 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.
39% of homes in New Springfield are owner-occupied. An estimated 61% are non-owner-occupied, including 28% held in a company or trust and 8% 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), 1626 homes matched. Community-level context.
Recent New Springfield sales closed near 92.2% 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 September 10, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 47 active listings in New Springfield, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Beautifully updated historic home just one block from Henry J. Klutho Park. This spacious residence offers a first-floor primary suite, four additional bedrooms upstairs, and 2.5 bathrooms.
Thoughtful updates throughout include a renovated kitchen with new appliances, refinished hardwood floors, updated bathrooms, brand-new windows, electrical panel, and water heater. The A/C was replaced in 2025, and city permit records indicate the roof was completed in 2017. Adding to the home's versatility, the second floor includes existing connections for a bathroom and kitchenette, along with a dividing door and separate entrance.
This setup provides an opportunity for a future owner to explore creating a separate living space or potential duplex configuration, subject to applicable approvals and permitting. A unique opportunity to own a beautifully refreshed historic home with flexible living options in a Historic Springfield. Home is being sold AS IS.
Description provided by ROOT REALTY LLC and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
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$375,000
Bed / bath5 / 2.5
Living area2,040 sq ft
Year built1912
Property typeSingle Family Residence
MLS #2160962
Listing status23 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~18 ft
Windstorm exposureModerate
CountyDuval
Area listings47 active · 8 under contract
Estimated first-year tax~$4,275/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$184
Estimated monthly payment$2,557
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$112,000
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
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.
$155,040the mess$195,840
Actual list price: $375,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 26% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1912 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 — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
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: 23 days on market vs. a 40-day community median
45 active listings competing, 9 under contract
≈7.0 months of supply
79 closed here in the last 12 months
For reference, this home is listed at $375,000 ($184/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: 2,040 sq ft × $76–$96/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
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.
Listed for $375,000Momentum Realty · on market 23 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.
Property tax (first-year est.)
~$4,275/yr
A rough first-year estimate only, applying a typical Duval rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
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
$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
~18 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by ROOT REALTY LLC · MLS # 2160962
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Market data · public records
Recent sales activity in Springfield
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 Springfield neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$112,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$86
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Springfield
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
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.
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
Assigned schools
Assigned schools
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. Robinson Elementary SchoolPublic PreK-5 · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEB
Springfield Middle SchoolPublic 6-8 · Duval County School District · Grade B (Florida DOE 2025-26)
GRADEB
William M. Raines High SchoolPublic 9-12 · Duval County School District · Grade B (Florida DOE 2025-26)
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.
No closely comparable recent sales were found in this data set.
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$1,719 – $2,500/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.1%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$889 – −$186At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 1448 N PEARL Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1912 (114 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 2,040 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 $4,275/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 12, 2026)
Community market stats
realMLS closed sales, as of September 10, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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 1448 N PEARL Street and when was it built?
Per the listing record, 1448 N PEARL Street was built in 1912 and has 2,040 sq ft of living area, 5 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 1448 N PEARL Street in?
1448 N PEARL Street is in Springfield in Jacksonville, Duval County. The community section on this page shows recent closed sales, days on market, and active inventory for Springfield from the same MLS data.
Does 1448 N PEARL Street 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 1448 N PEARL Street differ from the current owner's?
The estimate on this page (about $4,275 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 1448 N PEARL Street 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 1448 N PEARL Street 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 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.
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.
