72 days on marketSingle Family Residence▼ Price cut: $5,000 (8/7)
$184,000
2-Bedroom Home in Murray Hill Heights
3513 COLLEGE Street, Jacksonville, FL 32205
Single Family Residence in Murray Hill Heights, Jacksonville · No CDD
Murray Hill Heights · Jacksonville, FL 32205 · Duval
Listing data updated August 7, 2026 · refreshed twice daily
2Bedrooms
1Bathrooms
784Sq Ft
1947Year Built
$235Per Sq Ft
1-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
9% above
$/sq ft vs community
$235 here vs $215 median sold (12 mo)
Buyer leverage
Buyer advantage
72 days on market
4.1 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 6
Price vs recent sales
Asking $184k is at or below all 6 recent closed sales
Listed at $184,000 — recent neighborhood median sale price ~$275,000 (nearby sales; deemed reliable, not an appraisal)
72 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 1919–2026Murray Hill Farmers Market · 2 min driveBuchner's Bierhalle · 2 min driveEdgewood Avenue South Center · 3 min drive
Momentum Research · Murray Hill
Pricing & the Murray Hill market
How this home is priced against recent nearby sales, and where Murray Hill 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 Murray Hill
Each dot is a closed sale since 2001 (3815 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 $235/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 42 (normal).
Property timeline
This home’s history
1947BuiltPer public record
Jul 2, 2026First trackedObserved at $194,000
Aug 4, 2026Price cut$189,000
Aug 7, 2026Price cut$184,000
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
$1,257/mo
Principal & interest $932/mo74%
Taxes $175/mo14%
Insurance $100/mo8%
HOA $50/mo4%
$1,257/mo at 20% down, 30-yr @ 6.52% · 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 $2,650/yr ($221/mo)
-$250 more each year
(--9%)
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
64/100
Strongest on: Affordability (100), Flood safety (95)
0 limited50100 exceptional
64/100 is solid, mid-pack 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 area27
This home $235/sq ft vs the community 12-month median $215/sq ft.
Affordability100
List price $184,000 vs the community median $275,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1947 build. Obtain a property-specific quote.
Market liquidity65
Community median 26 days on market, ~4.1 months of supply (12-month record).
Renovation upside70
From a 1947 build and $235/sq ft vs the community median $215/sq ft. Not a condition assessment.
Buyer competition50
50% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power59
Recent sales closed at about 96.2% of original asking (~3.8% below). More room below asking generally favors buyers.
Market timing58
Momentum Market Heat is 42/100 (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
🟢 Buyer-leaning conditions around this listing. 4.1 months of supply in the surrounding market and 72 days on market for this home, against a 26-day area median.Days on market:this home 72Area median: 26 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 August 5, 2026.
🟡 Asking $235 per square foot, about 9% above the community’s $215 median. Murray Hill’s 12-month median sold price per square foot is $215. Median sold price per square foot is down 0.7% year over year. Confidence: Very High · 124 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Murray Hill sales closed near 96.2% of original asking. Cash paid for about 50% of recent closings here.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 August 5, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 41 active listings in Murray Hill, no CDD assessment.
Updated August 7, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Seller motivated. Offering comfort, character, and opportunity, this charming 2 bedroom, 1 bathroom home is ready to welcome its next homeowner. Beautiful hardwood floors flow throughout, creating a warm and inviting atmosphere, while abundant natural light fills the home with a bright, airy feel.The nicely sized living room provides the perfect space for gatherings or relaxing while watching your favorite shows.
An additional living space offers endless possibilities and can easily serve as a dining room, home office, exercise room, playroom, or hobby area to fit your needs.The spacious backyard is ideal for entertaining, gardening, or simply enjoying the outdoors. A concrete slab creates the perfect setting for picnics, barbecues, outdoor dining, or evenings around a firepit while sipping your favorite beverage. A classic white picket fence adds timeless curb appeal and welcomes you home from the moment you arrive.
The attached one car garage offers added convenience & functionality, complete with washer and dryer and copious built-in shelving for extra storage and organization. With no HOA restrictions, you will have the flexibility to personalize the property to fit your lifestyle. Enjoy a fantastic Murray Hill location with quick access to I-10, making commuting and exploring Jacksonville a breeze.
Description provided by UNITED REAL ESTATE GALLERY 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$184,000
Bed / bath2 / 1
Living area784 sq ft
Year built1947
Property typeSingle Family Residence
Garage1-car
MLS #2147349
Listing status72 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureModerate
CountyDuval
Area listings41 active · 26 under contract
Estimated first-year tax~$2,098/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$235
Estimated monthly payment$1,257
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$275,000
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.
$148,176the mess$188,944
Actual list price: $184,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% 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 — 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: 72 days on market vs. a 26-day community median
38 active listings competing, 27 under contract
≈4.1 months of supply
122 closed here in the last 12 months
For reference, this home is listed at $184,000 ($235/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: 784 sq ft × $189–$241/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 7, 2026.
Keep looking
Similar homes for sale near Murray Hill Heights
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 $184,000Momentum Realty · on market 72 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.)
~$2,098/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)
$1k–$2k/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
~20 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.
Market data · public records
Recent sales activity in Murray Hill Heights
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 Murray Hill Heights neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$275,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$215
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Murray Hill Heights
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.
Jun 2026 · Retail Dining
Community First names Arble Baking Co. as a food feature for the Edgewood branch
Community First Credit Union said it has partnered with Arble Baking Co. to add a food offering at the former Edgewood Bakery at 1012 Edgewood Avenue South, which it is converting into a Murray Hill branch with a planned community room. The bakery building dates to 1947 and had sat vacant since the prior operation closed in 2016. Completion of the branch is expected in late 2026.
Why it matters: Pairing a local bakery vendor and a community room with the new branch could draw added daytime activity to the Edgewood corridor, which historically may support nearby retail and dining.
City permit clears Edgewood Bakery conversion into a Community First branch
The city issued a building permit in March 2026 for Community First Credit Union to renovate the long-vacant former Edgewood Bakery at 1012 Edgewood Avenue South, with an approved project cost near $3.5 million. Plans call for renovating roughly 4,628 square feet and adding drive-thru lanes, an outdoor plaza, a front lawn, a community room, and an on-site food truck. Auld and White Constructors is handling the work, targeted for completion in late 2026.
Why it matters: Reactivating a long-vacant anchor building on the Edgewood corridor could draw added foot traffic that may benefit nearby retail and dining over time.
New roundabout opens at Post Street and Old Roosevelt Boulevard
FDOT opened a new roundabout where Post Street meets Old Roosevelt Boulevard in mid-October 2025, after about four months of construction. The roughly $6.5 million project includes rail safety upgrades, resurfacing, new signage, lighting, and removal of several traffic signals. FDOT said the redesign is expected to sharply reduce rail-related incidents, with remaining work finishing by mid-2026.
Why it matters: Smoother access between Roosevelt Boulevard and the Edgewood district could improve commute logistics for properties on the eastern side of the corridor.
Hamburger Mary's planned for former El Jefe space on Edgewood Avenue
An operator announced plans to open a Hamburger Mary's restaurant at the former El Jefe space at 947 Edgewood Avenue South, with an initial investment near $150,000. The redesign adds a stage, a performers' entrance, and capacity near 100 guests. A related retail shop was also planned for the adjacent storefront.
Why it matters: Filling a vacant restaurant space on the core dining stretch could add to the density of food and beverage destinations that define the corridor.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Murray Hill Farmers Market 2 min
Dining
Buchner's Bierhalle 2 min
Shopping
Edgewood Avenue South Center 3 min
Parks
Murray Hill Playground 3 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
PinedaleAssigned elementary school · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEC
Lake ShoreAssigned middle school · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEC
RiversideAssigned high school · Duval County School District · Grade C (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.
Community 12-month median: $215/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$843 – $1,227/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.0%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$440 – −$94At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: August 7, 2026)
Community market stats
realMLS closed sales, as of August 5, 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
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result 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.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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 3513 COLLEGE 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.
