39 days on market (MLS) Single Family Residence
$595,000
3-Bedroom Pool Home in Water Bluff Shores

2520 Water Bluff Drive, Jacksonville, FL 32218

Single Family Residence in Water Bluff Shores, Jacksonville · No CDD on record
Water Bluff Shores · Jacksonville, FL 32218 · Duval County
Listing data updated October 7, 2026 at 3:39 AM ET · checked against the MLS hourly
3Bedrooms
2.5Bathrooms
2,180Sq Ft
1990Year Built
$273Per Sq Ft
Private pool4-car garageNo CDD on record
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.
30% above
$/sq ft vs community
$273 here vs $210 median sold (12 mo)
Buyer leverage
Balanced market
39 days on market
2.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 7, 2026, 2520 WATER BLUFF Drive in Water Bluff Shores, Jacksonville is listed at $595,000 (2,180 sq ft, about $273 per sq ft). That is 63% above Water Bluff Shores's median closed sale of $365,000 over the last 12 months (5 recorded sales). Per square foot it is above the community's recent $210/sq ft by about 30%. It has been 39 days on market, longer than the community's typical 10 days to contract. Listing facts: built in 1990, a private pool, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1990 · 36 yrs
  • 2,180 sq ft of living area
  • 4-car garage
  • Listed at $595,000 — recent neighborhood median sale price ~$365,000 (nearby sales; deemed reliable, not an appraisal)
  • 39 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this home

Welcome to your own private retreat on 1.48 acres in Jacksonville's Northside! This beautiful all-brick, 3-bedroom, 2.5-bath pool home offers more than 2,100 square feet with plenty of room both inside and out. Just off the entry foyer, a separate, cozy flex room offers the perfect spot for a home office, sitting room, reading room or quiet retreat.

The inviting family room features a brick wood-burning fireplace and hearth, while durable vinyl plank flooring flows throughout the home. The split-bedroom floor plan provides added privacy, and the spacious primary suite features a beautifully renovated bath with a freestanding soaking tub and dual vanity, plus French doors leading directly to the pool deck. The kitchen features solid-surface countertops and brand-new stainless steel appliances, while the adjoining breakfast nook with plantation shutters offers a relaxing view of the pool.

For larger gatherings, the separate dining room is spacious enough to accommodate a 10-foot dining table, providing plenty of room for family dinners and entertaining. Step outside and you'll quickly see what makes this property special. Enjoy the in-ground marcited pool, set within its own separately fenced pool area, along with a covered lanai and patio by the pool deck.

From the property, take in an expansive view across the marsh toward Dunn Creek, creating a peaceful natural backdrop for relaxing, grilling and entertaining. A long gated driveway, large yard and no HOA provide plenty of room for your boat, RV, trailers and toys. In addition to the attached 2-car garage, the property features a huge 30' x 30' detached block workshop/garage with garage door openers, plus an approximately 30' x 30' covered storage area with a concrete slab, water and power.

There's even 2 30-amp RV hookups beside and behind the workshop. With all-brick construction, a pool, acreage, marsh views, multiple garage and storage areas, RV accommodations and flexible living spaces, this property offers a combination that's hard to find. Bring the boat, RV and toys and make this one your own!

All 52 photos

2520 Water Bluff Drive, Jacksonville FL - photo 6 of 522520 Water Bluff Drive, Jacksonville FL - photo 7 of 522520 Water Bluff Drive, Jacksonville FL - photo 8 of 522520 Water Bluff Drive, Jacksonville FL - photo 9 of 522520 Water Bluff Drive, Jacksonville FL - photo 10 of 522520 Water Bluff Drive, Jacksonville FL - photo 11 of 522520 Water Bluff Drive, Jacksonville FL - photo 12 of 522520 Water Bluff Drive, Jacksonville FL - photo 13 of 522520 Water Bluff Drive, Jacksonville FL - photo 14 of 522520 Water Bluff Drive, Jacksonville FL - photo 15 of 522520 Water Bluff Drive, Jacksonville FL - photo 16 of 522520 Water Bluff Drive, Jacksonville FL - photo 17 of 522520 Water Bluff Drive, Jacksonville FL - photo 18 of 522520 Water Bluff Drive, Jacksonville FL - photo 19 of 522520 Water Bluff Drive, Jacksonville FL - photo 20 of 522520 Water Bluff Drive, Jacksonville FL - photo 21 of 522520 Water Bluff Drive, Jacksonville FL - photo 22 of 522520 Water Bluff Drive, Jacksonville FL - photo 23 of 522520 Water Bluff Drive, Jacksonville FL - photo 24 of 52

Description provided by WATERMARKE REALTY GROUP LLC and reproduced from the MLS; not independently verified.

Listing courtesy of WATERMARKE REALTY GROUP LLCProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
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$595,000
Bed / bath3 / 2.5
Living area2,180 sq ft
Year built1990
Property typeSingle Family Residence
Garage4-car
PoolYes
MLS #2161896
Listing status39 days on market (MLS)

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~7 ft
CountyDuval
Area listings1 active · 0 under contract
Estimated first-year tax~$9,725/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$273
Estimated monthly payment$4,373
Insurance (illustrative)$2k–$6k/yr
Comparable-sales median$365,000

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

$4,373/mo
  • Principal & interest $3,257/mo 74%
  • Taxes $810/mo 19%
  • Insurance $306/mo 7%

$4,373/mo at 20% down, 30-yr @ 7.28% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified county tax roll
Estimated property taxes after purchase
$9,725/yr
≈ $810/mo·effective rate ~1.63%
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 $5,525/yr ($460/mo) — taxable value $309,753 × 17.86 mills
$4,200 more each year
(+76%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$119,875
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$429,628
Market value
$360,475
Assessed
$309,753
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.

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.

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–$6k/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 zone not verified for this address — check msc.fema.gov and confirm coverage. 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
Not verified

Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.

Ground elevation
~7 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 · Water Bluff Shores

Pricing & the Water Bluff Shores market

How this home is priced against recent nearby sales, and where Water Bluff Shores 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 per sq ft · this home vs. recent nearby sales2611 WATER BLUFF Drive2611 WATER BLUFF Drive: $169/sq ft$1692333 WATER BLUFF Drive2333 WATER BLUFF Drive: $210/sq ft$21011828 LEONARDO Lane11828 LEONARDO Lane: $237/sq ft$23711816 LEONARDO Lane11816 LEONARDO Lane: $245/sq ft$245This homeThis home: $273/sq ft$273Community median $210

Price vs. size in Water Bluff Shores

Each dot is a closed sale since 2002 (46 total). This home is the gold marker.

$6k$317k$628k8811,9883,095This home: $595,000, 2,180 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). realMLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2015–2026. This home lists at $273/sq ft.

$56$141$2272015: $7420152016: $7220162018: $12220182020: $13120202021: $10720212022: $17020222023: $18420232026: $2102026

Median sale price by year

12-month median closed price, 2015–2026.

$121k$272k$423k2015: $172k20152016: $157k20162018: $192k20182020: $150k20202021: $255k20212022: $394k20222023: $290k20232026: $365k2026
Property timeline

This home’s history

  • 1990BuiltPer public record
  • About Aug 2026Listed (per MLS)MLS reports 39 cumulative days on market as of October 7, 2026
  • Aug 28, 2026First seen on movewithmomentum.comObserved at $595,000
  • 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 $595,000Momentum Realty · on market 39 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

4 closed sales in Water Bluff Shores in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 4 sales: $365,000 ($210/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

The Messtimate™

The Messtimate

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.

$403,300the mess$512,300

Stronger local evidence — 4 comparable closed sales in Water Bluff Shores, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $595,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a 1990 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.
  • The pool — a private pool carries cost and value that living area doesn't capture.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 39 days on market vs. a 10-day community median
  • 1 active listing competing
  • ≈2.4 months of supply
  • 5 closed here in the last 12 months

For reference, this home is listed at $595,000 ($273/sq ft). The list price is the seller's asking price and is not derived from this range.

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.

Selling your own home? Try the Messtimate on your address →

Methodology: 2,180 sq ft × $185–$235/sq ft (±12% around the median of 4 comparable closed sales in Water Bluff Shores, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 7, 2026.

Momentum Scores

Momentum Property Score

34/100
Strongest on: Market liquidity (82), Pricing power (53)
0 limited50100 exceptional

34/100 is limited 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 $273/sq ft vs the community 12-month median $210/sq ft.
Affordability0
List price $595,000 vs the community median $365,000. Not a measure of personal affordability.
Market liquidity82
Community median 10 days on market, ~2.4 months of supply (12-month record).
Pricing power53
Recent sales closed at about 97.3% of original asking (~2.7% below). More room below asking generally favors buyers.

Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Balanced conditions around this listing. 2.4 months of supply in the surrounding market and 39 days on market for this home, against a 10-day area median.Days on market:this home 39Area median:  10 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 6, 2026.

🟡 Asking $273 per square foot, about 30% above the community’s $210 median. Water Bluff Shores’s 12-month median sold price per square foot is $210. Confidence: Low · 5 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.

78% of homes in Water Bluff Shores are owner-occupied. An estimated 22% are non-owner-occupied, including 2% held in a company or trust and 2% 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), 128 homes matched. Community-level context.

Recent Water Bluff Shores sales closed near 97.3% 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 6, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 1 active listings in Water Bluff Shores, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 7, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Seen enough photos?

Want to see 2520 WATER BLUFF Drive?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by WATERMARKE REALTY GROUP LLC · MLS # 2161896

Request a showing

or call (904) 351-6461
Keep looking

Similar homes for sale near Water Bluff Shores

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.

Newest listings in Jacksonville

  • 12157 Alexandra Drive, Jacksonville · $295,000 · 3 bd / 2.0 ba · listed October 7, 2026 (courtesy of BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY)
  • 8179 Helmsley Boulevard, Jacksonville · $279,900 · 4 bd / 2.0 ba · listed October 7, 2026 (courtesy of SUNSHINE REALTY & CO LLC)
  • 3305 Thomas Street, Jacksonville · $209,990 · 3 bd / 2.0 ba · listed October 7, 2026 (courtesy of REAL BROKER LLC)
  • 9163 Kings Colony Road, Jacksonville · $525,000 · 3 bd / 2.0 ba · listed October 7, 2026 (courtesy of COLDWELL BANKER VANGUARD REALTY)
  • 13398 Ocean Mist Drive, Jacksonville · $252,250 · 2 bd / 2.5 ba · listed October 7, 2026 (courtesy of POWERHOUSE REALTY INC.)
  • 7772 Lake Park Drive, Jacksonville · $380,000 · 3 bd / 3.0 ba · listed October 7, 2026 (courtesy of GEORGE BARNES REALTY SALES AND PROPERTY MANAGEMENT)

Recently off market in Water Bluff Shores

The street

Every home on Water Bluff Drive: what is for sale, what sold and when, the homes and the communities along it.

Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings

In the area

Recent Water Bluff Shores news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Jul 2026 · Development

JWB secures funding for 108 affordable housing units in Jacksonville

Jacksonville Today reported that JWB Real Estate Capital secured about $28.59 million in gap funding for 108 income-restricted units across three Westside sites on Tracy, Justina and Ricker roads. Plans include 38 townhome-style units and two sets of 35 efficiency units, priced at or below 60% of area median income for 50 years. Groundbreaking is expected by September 2026 with completion in 2027.

Why it matters: Adds new income-restricted rental and townhome housing supply on the Westside, increasing the stock of long-term affordable units and drawing public and tax-credit investment into three infill sites. The project is about 17 miles southwest of Water Bluff Shores, elsewhere in Duval County.

Jacksonville Today

Jul 2026 · Development

Culinary Institute of America selects Jacksonville for Southeast campus

News4Jax reported that the Culinary Institute of America chose downtown Jacksonville for its Southeast hub, to be located at 330 E. Bay Street on the Northbank riverfront. The campus would anchor a $160.5 million hotel and convention center development. The city previously approved up to $35 million in incentives, and the Downtown Investment Authority is finalizing agreements on design and property details.

Why it matters: Anchors a major downtown riverfront redevelopment that pairs an educational campus with hotel and convention space, adding institutional and commercial investment to the urban core alongside Riverfront Plaza and Pearl Square. The project is about 9 miles southwest of Water Bluff Shores, elsewhere in Duval County.

News4Jax

Jun 2026 · Development

Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center

Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.

Why it matters: Continued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The project is about 23 miles southwest of Water Bluff Shores, elsewhere in Duval County.

Jax Daily Record

Apr 2026 · Development

Southeast Toyota opens $170M vehicle-processing facility at JAXPORT's Blount Island, adding 400-plus jobs

Southeast Toyota Distributors dedicated a new vehicle processing facility at JAXPORT's Blount Island Marine Terminal in April 2026. The company put the investment at $170 million and said the facility created more than 400 full-time jobs, most of them hired locally.

Why it matters: A large new employment center on Blount Island adds sustained local job demand, a factor that has historically supported nearby housing absorption. The site is about 6 miles southeast of Water Bluff Shores.

JAXPORT

Go deeper

More on Water Bluff Shores

Go deeper on Water Bluff Shores

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.

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.

Louis SheffieldAssigned elementary school · Duval County School District
GRADEC
OceanwayAssigned middle school · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEC
First CoastAssigned high school · Duval County School District · Grade C (Florida DOE 2025-26)
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 2520 WATER BLUFF Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1990 (36 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.
  • Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
  • 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.
  • Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
  • Listed living area is 2,180 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 $9,725/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,200 more per year than the current owner’s estimated bill (+76%). 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 recordrealMLS, checked against the MLS hourly (last: October 7, 2026)
Comparable salesrealMLS closed sales in Water Bluff Shores, last 18 months, as of October 6, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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 2520 WATER BLUFF Drive and when was it built?

Per the listing record, 2520 WATER BLUFF Drive was built in 1990 and has 2,180 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 2520 WATER BLUFF Drive in?

2520 WATER BLUFF Drive is in Water Bluff Shores in Jacksonville, Duval County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 2520 WATER BLUFF Drive 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 2520 WATER BLUFF Drive differ from the current owner's?

The estimate on this page (about $9,725 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,200 more per year than the current owner’s estimated bill (+76%). 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 2520 WATER BLUFF Drive in a flood zone?

A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 2520 WATER BLUFF Drive 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 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.