Single Family Residence in Tamaya, Jacksonville · No CDD
Tamaya · Jacksonville, FL 32246 · Duval
Listing data updated September 23, 2026 · refreshed twice daily
5Bedrooms
4Bathrooms
3,451Sq Ft
2018Year Built
$345Per Sq Ft
3-car garageNo CDD5 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.
5% above
$/sq ft vs community
$345 here vs $328 median sold (12 mo)
Buyer leverage
Balanced market
53 days on market
2.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~31 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 6 of 8
Price vs recent sales
Asking $1.19M tops 6 of the last 8 closed sales; also one of the largest homes here at 3,451 sq ft
As of September 23, 2026, 2696 OSTIA Circle in Tamaya, Jacksonville is listed at $1,190,000 (3,451 sq ft, about $345 per sq ft). That is 38% above Tamaya's median closed sale of $865,000 over the last 12 months (45 recorded sales). It has been 53 days on market, longer than the community's typical 28 days to contract. Listing facts: built in 2018, HOA dues of $17/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2018 · 8 yrs
3,451 sq ft of living area
3-car garage
Listed at $1,190,000 — recent neighborhood median sale price ~$865,000 (nearby sales; deemed reliable, not an appraisal)
53 days on market
HOA $17/mo (per listing)
School district: School District Duval County Public SchoolsCommunity built 2014–2025Island Fresh · 1 min driveRomashka Euro Store · 3 min driveAscension St. Vincent's Emergency Care - Beach · 3 min drive
Momentum Research · Tamaya
Pricing & the Tamaya market
How this home is priced against recent nearby sales, and where Tamaya 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 Tamaya
Each dot is a closed sale since 2014 (1192 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, 2015–2026. This home lists at $345/sq ft.
Median sale price by year
12-month median closed price, 2015–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2016–2026. Now 9 (cold).
Property timeline
This home’s history
2018BuiltPer public record
Aug 4, 2026First trackedObserved at $1,190,000
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
$7,828/mo
Principal & interest $6,302/mo81%
Taxes $1,130/mo14%
Insurance $379/mo5%
HOA $17/mo0%
$7,828/mo at 20% down, 30-yr @ 6.95% · 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 $11,125/yr ($927/mo)
+$9,250 more each year
(+83%)
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.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$156,525
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.
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
46/100
Strongest on: Market timing (91), Market liquidity (73)
0 limited50100 exceptional
46/100 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 area37
This home $345/sq ft vs the community 12-month median $328/sq ft.
Affordability0
List price $1,190,000 vs the community median $865,000. Not a measure of personal affordability.
Flood safety50
FEMA Zone AE, ~31 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone AE and a 2018 build. Obtain a property-specific quote.
Market liquidity73
Community median 28 days on market, ~2.6 months of supply (12-month record).
Renovation upside10
From a 2018 build and $345/sq ft vs the community median $328/sq ft. Not a condition assessment.
Pricing power59
Recent sales closed at about 96.2% of original asking (~3.8% below). More room below asking generally favors buyers.
Market timing91
Momentum Market Heat is 9/100 (cold). 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. 2.6 months of supply in the surrounding market and 53 days on market for this home, against a 28-day area median.Days on market:this home 53Area median: 28 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 22, 2026.
🟡 Asking $345 per square foot, about 5% above the community’s $328 median. Tamaya’s 12-month median sold price per square foot is $328. Median sold price per square foot is down 13.2% year over year. Confidence: Very High · 45 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.
81% of homes in Tamaya are owner-occupied. An estimated 19% are non-owner-occupied, including 9% held in a company or trust and 1% 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), 431 homes matched. Community-level context.
Recent Tamaya sales closed near 96.2% 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 22, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 9 active listings in Tamaya, no CDD assessment.
Updated September 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to this stunning Costa Mesa plan in the sought-after Tamaya community! Designed for today's lifestyle, this home offers 5 bedrooms and 4 bathrooms, a dedicated office, and a spacious game/flex room. The open-concept design showcases luxury wood flooring, plantation shutters, abundant natural light, and a chef's kitchen featuring an oversized island with quartz and granite countertops, custom cabinetry, stainless steel appliances, and a gas cooktop.
The layout is elevated by sophisticated tray ceilings that add architectural interest to your living space. Entertain with ease in your dedicated, separate dining room, perfect for hosting memorable meals. Multi-sliding glass doors open to an extended covered lanai pre-plumbed for a summer kitchen, creating seamless indoor-outdoor living.
The home offers thoughtful conveniences designed for everyday living, including a spacious, separate laundry room complete with built-in cabinetry for organized storage. A unique highlight is the beautifully integrated coffee bar located just outside the kitchen, creating an inviting space for your morning routine or evening refreshments. Throughout the home, modern light fixtures have been carefully selected to enhance the contemporary aesthetic and provide the perfect ambiance in every room.
This home combines thoughtful design with practical features for a truly elevated living experience. The spacious owner's suite is spa-inspired with an oversized glass shower and an expansive walk-in closet, located on the first floor for privacy and convenience. The 3-car tandem garage allows extra capacity for recreational gear and storage.
Also enjoy top-notch amenities including two large pools, water slide, fitness center, tennis court, basketball court, dog park, and a clubhouse with banquet room. Tamaya is centrally located and close to the area beaches, Mayo Clinic, I-295 and St. Johns Town Center.
Come & see today!
All 82 photos
Description provided by FLORIDA HOMES REALTY & MTG 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$1,190,000
Bed / bath5 / 4
Living area3,451 sq ft
Year built2018
Property typeSingle Family Residence
Garage3-car
MLS #2158030
Listing status53 days on market
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~31 ft
Windstorm exposureModerate
CountyDuval
Area listings9 active · 5 under contract
Estimated first-year tax~$13,566/yr
CDD assessmentNone on record
HOA (per listing)$17/mo
Calculated estimates
Price per sq ft$345
Estimated monthly payment$7,828
Insurance (illustrative)$3k–$6k/yr
Comparable-sales median$865,000
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.
$997,339the mess$1,266,517
Actual list price: $1,190,000 — 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 renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
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 — this home carries HOA dues of $17/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 53 days on market vs. a 28-day community median
9 active listings competing, 5 under contract
≈2.6 months of supply
42 closed here in the last 12 months
For reference, this home is listed at $1,190,000 ($345/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: 3,451 sq ft × $289–$367/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 23, 2026.
Keep looking
Similar homes for sale near Tamaya
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 $1,190,000Momentum Realty · on market 53 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.)
~$13,566/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)
$3k–$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 AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$17/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 AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~31 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.
Seen enough photos?
Want to see 2696 OSTIA Circle?
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 FLORIDA HOMES REALTY & MTG LLC · MLS # 2158030
Request a showing
Market data · public records
Recent sales activity in Tamaya
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 Tamaya neighborhood guide for more.
Comparable sales found
4
Recent nearby closings in the data set.
Community median sale price
$865,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$328
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Tamaya
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.
Aug 2026 · Market
Rehabilitation hospital beside Tamaya sells for 48.75 million dollars
A deed recorded August 12 with the Duval County Clerk shows Hammes Partners acquired the 48 bed Reunion Rehabilitation Hospital through HPIV Jacksonville LLC for 48.75 million dollars from a Dallas based ownership entity. The 4.6 acre site sits northeast of Kernan and Beach boulevards next to Grand Living at Tamaya. The underlying land traded for 2.36 million dollars in December 2022 before construction.
Why it matters: Institutional buyers paying well above original build cost at this intersection could signal continued investor confidence in the Beach and Kernan commercial node.
Chewy Vet Care opens first Jacksonville clinic at Tamaya Market
Chewy Vet Care set a June 6 grand opening for its first Jacksonville clinic at 12675 Beach Boulevard in the Tamaya Market shopping center at northeast Beach and Kernan, with appointments starting June 5. The city had issued a permit in January for the roughly 2,795 square foot build-out at a cost near $373,500.
Why it matters: A national brand choosing Tamaya Market for its Jacksonville entry underscores the strength of the Beach and Kernan retail node, which may add everyday convenience for surrounding households.
Bang'n Bagel Co. opens on Beach Boulevard near Tamaya
Bang'n Bagel Co., a New York style bagel concept from Jacksonville businessman Mark DeBiase and partners, soft-opened at 13423 Beach Boulevard with a grand opening set for May 30 and a drive-thru opening in early June. The founders plan additional locations around Jacksonville and along Florida's East Coast.
Why it matters: Independent food concepts opening on this stretch of Beach Boulevard add to the daily-needs and dining mix within a short drive of Tamaya, which may incrementally support the corridor's retail vitality.
Grand Living at Tamaya senior community sells for $36 million
Ryan Companies sold the Grand Living at Tamaya senior living community at 3270 Tamaya Boulevard for $36 million to Artemis Real Estate Partners, which financed the acquisition with a $29.35 million Berkadia mortgage. The four-story, 192,088 square foot property was built in 2019 and offers independent living, assisted living, and memory care.
Why it matters: Institutional capital trading stabilized assets inside Tamaya may be read as confidence in the submarket's fundamentals, and continuity of the senior community preserves an aging-in-place option near residents' families.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Romashka Euro Store 3 min
Dining
Island Fresh 1 min
Shopping
Beachwood Plaza 6 min
Parks
Huffman Boulevard Park 6 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.
GRADEA
Kernan TrailAssigned elementary school · Duval County School District · Grade A (Florida DOE 2025-26)
GRADEB
KernanAssigned middle school · Duval County School District · Grade B (Florida DOE 2025-26)
GRADEA
Atlantic CoastAssigned high school · Duval County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jul 2026
$1,199,900
2489 KARATAS Court, Jacksonville
4 / 3.5 bd/ba · 3,481 sq ft · $345/sq ft
Courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY · View details →
Sold Jul 2026
$1,700,000
3055 SPIRO Circle, Jacksonville
5 / 4 bd/ba · 4,016 sq ft · $423/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold Jul 2026
$953,000
2790 CASSIA Lane, Jacksonville
4 / 3 bd/ba · 2,591 sq ft · $368/sq ft
Courtesy of FLORIDA HOMES REALTY & MTG LLC · View details →
Sold Aug 2026
$675,000
2443 PROVATI Court, Jacksonville
4 / 2.5 bd/ba · 2,541 sq ft · $266/sq ft
Courtesy of FLORIDA HOMES REALTY & MTG LLC · View details →
Community 12-month median: $328/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
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$5,454 – $7,933/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$2,526 – −$295At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 2696 OSTIA Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2018: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $17/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
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 3,451 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 $13,566/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
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 2696 OSTIA Circle and when was it built?
Per the listing record, 2696 OSTIA Circle was built in 2018 and has 3,451 sq ft of living area, 5 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2696 OSTIA Circle in?
2696 OSTIA Circle is in Tamaya in Jacksonville, Duval County. The community section on this page shows recent closed sales, days on market, and active inventory for Tamaya from the same MLS data.
Does 2696 OSTIA Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $17 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 2696 OSTIA Circle differ from the current owner's?
The estimate on this page (about $13,566 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 2696 OSTIA Circle in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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 2696 OSTIA Circle 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.
