16640 Cody Creek Court, Jacksonville, FL 32226
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 12, 2026, 16640 CODY CREEK Court in Hidden Bluff, Jacksonville is listed at $452,900 (2,769 sq ft, about $164 per sq ft). It has been 304 days on market. Listing facts: built in 2022, HOA dues of $119/mo. 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 2022 · 4 yrs
- 2,769 sq ft of living area
- 2-car garage
- 304 days on market
- HOA $119/mo (per listing)
About this home
VA BUYERS -- A 4.75% VA LOAN ASSUMPTION OPPORTUNITY LIKE THIS DOESN'T COME AROUND OFTEN. A qualified VA-eligible buyer may be able to assume the seller's existing 4.75% VA loan with approximately a 12% equity contribution, subject to lender/VA approval, buyer qualification, sufficient VA entitlement for substitution, and the final loan balance at closing. And the financing opportunity is only the beginning.
Built in 2022, this 5-bedroom, 3-bath home offers 2,782 square feet of thoughtfully designed living space in the boutique Eagle Bend/Hidden Bluff community. Instead of waiting months for new construction--or paying additional costs for upgrades--you can move into a nearly new home that already has the features buyers are looking for. The open-concept main level features 9-foot ceilings, luxury vinyl plank flooring, quartz countertops, 42-inch soft-close cabinetry, stainless steel appliances, and a large breakfast bar designed for everyday living and entertaining.
VA BUYERS -- A 4.75% VA LOAN ASSUMPTION OPPORTUNITY LIKE THIS DOESN'T COME AROUND OFTEN. A qualified VA-eligible buyer may be able to assume the seller's existing 4.75% VA loan with approximately a 12% equity contribution, subject to lender/VA approval, buyer qualification, sufficient VA entitlement for substitution, and the final loan balance at closing. And the financing opportunity is only the beginning.
Built in 2022, this 5-bedroom, 3-bath home offers 2,782 square feet of thoughtfully designed living space in the boutique Eagle Bend/Hidden Bluff community. Instead of waiting months for new construction--or paying additional costs for upgrades--you can move into a nearly new home that already has the features buyers are looking for. The open-concept main level features 9-foot ceilings, luxury vinyl plank flooring, quartz countertops, 42-inch soft-close cabinetry, stainless steel appliances, and a large breakfast bar designed for everyday living and entertaining.
The floor plan is especially versatile. The primary suite is downstairs, along with a second bedroom and full bath--ideal for guests, a private office, or multigenerational living. Upstairs are three additional bedrooms, another full bath, and an oversized loft that can become a media room, game room, home office, or second living area.
Step outside to the screened lanai and enjoy a backyard with room to relax, grill, entertain, or make it your own. The home sits on a quiet cul-de-sac in an intimate community of approximately 30 homes with limited through traffic, a community playground and jogging path. And one of the biggest advantages: NO CDD FEES.
Conveniently located near River City Marketplace, shopping, dining, I-295, I-95 and Jacksonville International Airport, this home combines space, convenience and a financing opportunity that can be extremely difficult to duplicate. 5 Bedrooms | 3 Full Baths | 2,782 Sq Ft | Built 2022 Primary + Additional Bedroom Downstairs Large Upstairs Loft Screened Lanai Cul-de-Sac Location Boutique Community NO CDD Move-In Ready Potential 4.75% VA Loan Assumption Why wait to build when the home--and potentially the 4.75% financing--is already here? Schedule your private showing today.
Financing disclosure: Seller will consider assumption of the existing VA loan by a qualified VA-eligible buyer with sufficient entitlement for substitution. Approximately 12% equity contribution is an estimate and will vary based on purchase price and the outstanding loan balance at closing. Loan assumption is subject to servicer/lender and VA approval.
Other buyers may purchase the property using other acceptable financing or cash.
All 59 photos
Description provided by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY and reproduced from the MLS; not independently verified.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,509/mo 75%
- Taxes $600/mo 18%
- Insurance $132/mo 4%
- HOA $119/mo 4%
$3,359/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty 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.
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.
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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
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.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2022BuiltPer public record
- About Dec 2025Listed (per MLS)MLS reports 304 cumulative days on market as of October 12, 2026
- Jul 10, 2026First seen on movewithmomentum.comObserved at $459,990
- Aug 18, 2026Price cut$452,900 (-$7,090, -1.5%)
- 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.
Price & listing history
Building permits
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 Hidden Bluff. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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.
Methodology: the range would be 2,769 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 12, 2026.
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Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY · MLS # 2120463
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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.
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More on Duval County
Explore Duval County
Browse market data, schools, taxes, and homes for sale across the county.
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.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 16640 CODY CREEK Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $119/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- 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 2,769 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 $7,200/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,275 more per year than the current owner’s estimated bill (+22%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: October 12, 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.
Frequently asked questions
How big is 16640 CODY CREEK Court and when was it built?
Per the listing record, 16640 CODY CREEK Court was built in 2022 and has 2,769 sq ft of living area, 5 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 16640 CODY CREEK Court in?
16640 CODY CREEK Court is in Hidden Bluff 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 16640 CODY CREEK Court have an HOA, and how much are the dues?
The listing reports HOA dues of $119 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 16640 CODY CREEK Court differ from the current owner's?
The estimate on this page (about $7,200 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,275 more per year than the current owner’s estimated bill (+22%). 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 16640 CODY CREEK Court 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.
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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.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.