84 days on market (MLS)Single Family Residence▼ Price cut: $5,000 (9/25)
$420,000
3-Bedroom Home in Bradley Pond
4633 Harvest Grain Trail, Jacksonville, FL 32226
Single Family Residence in Bradley Pond, Jacksonville · No CDD on record · Built 2023
Bradley Pond · Jacksonville, FL 32226 · Duval County
Listing data updated October 5, 2026 · refreshed hourly
3Bedrooms
2.5Bathrooms
2,616Sq Ft
2023Year Built
$161Per Sq Ft
Waterfront2-car garageNo CDD on recordFEMA Zone X
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.
17% below
$/sq ft vs community
$161 here vs $193 median sold (12 mo)
Buyer leverage
Strong buyer advantage
84 days on market
15.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~15 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 5, 2026, 4633 HARVEST GRAIN Trail in Bradley Pond, Jacksonville is listed at $420,000 (2,616 sq ft, about $161 per sq ft). That sits within a few percent of Bradley Pond's median closed sale of $432,500 over the last 12 months (4 recorded sales). Per square foot it is below the community's recent $193/sq ft by about 17%. It has been 84 days on market. Listing facts: built in 2023, waterfront, HOA dues of $72/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 2023 · 3 yrs
2,616 sq ft of living area
2-car garage
Listed at $420,000 — recent neighborhood median sale price ~$432,500 (nearby sales; deemed reliable, not an appraisal)
84 days on market
HOA $72/mo (per listing)
School district: Schools Duval County SchoolsCommunity built 2021–2024Jacksonville Clay Target Sports · 6 min drivePublix · 8 min driveKappuccinos Breakfast & Sports Bar · 8 min drive
Listing description
About this home
MOTIVATED SELLER - Seller willing to provide credit towards buyers closing costs and/or rate buy down if negotiated with an acceptable offer! WHY WAIT TO BUILD? This nearly new 2023 home delivers 2,616 square feet of thoughtfully designed living space, a premium pond setting, and the flexibility today's buyers are looking for all without the wait of new construction.
One of the largest floor plans in the community, this home offers 3 bedrooms PLUS a dedicated home office AND spacious upstairs loft, giving you plenty of room to work, play, host, or grow. The heart of the home is the open-concept gourmet kitchen featuring quartz countertops, an oversized island, gas cooktop, and abundant storage, all overlooking the main living and dining areas. Step outside to a fully fenced, oversized backyard, a covered lanai, and plenty of room to create your dream outdoor space including room for a future pool.
The spacious owner's suite provides a private retreat with peaceful pond views, while the additional bedrooms, office, and loft offer flexibility rarely found at this price point. Built in 2023 and move-in ready, this home combines the benefits of newer construction with the upgrades, established homesite, fenced yard, and pond setting already in place. Why wait to build when the right one is already waiting for you?
All 63 photos
Description provided by KELLER WILLIAMS REALTY ATLANTIC PARTNERS and reproduced from the MLS; not independently verified.
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$420,000
Bed / bath3 / 2.5
Living area2,616 sq ft
Year built2023
Property typeSingle Family Residence
Garage2-car
MLS #2155125
Listing status84 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~15 ft
CountyDuval
Area listings5 active · 3 under contract
Estimated first-year tax~$6,600/yr
CDD assessmentNone on record
HOA$72/mo
Calculated estimates
Price per sq ft$161
Estimated monthly payment$3,040
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$432,500
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
$3,040/mo
Principal & interest $2,299/mo76%
Taxes $550/mo18%
Insurance $119/mo4%
HOA $72/mo2%
$3,040/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Duval County rate (17.86 mills, adopted 2025 millage). Not a bill.
Current owner’s estimated bill $6,525/yr ($544/mo) — taxable value $364,555 × 17.86 mills
About the same each year
(+1%)
The estimate for a new owner and the current owner’s estimated bill are within a few percent of each other. Exemptions, portability and any change in millage will move the actual bill.
$53,784
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.
$418,339
Market value
$415,277
Assessed
$364,555
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.
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)
$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
$72/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
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
~15 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 · Bradley Pond
Pricing & the Bradley Pond market
How this home is priced against recent nearby sales, and where Bradley Pond 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 Bradley Pond
Each dot is a closed sale since 2021 (89 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, 2021–2026. This home lists at $161/sq ft.
Median sale price by year
12-month median closed price, 2021–2026.
Property timeline
This home’s history
2023BuiltPer public record
About Jul 2026Listed (per MLS)MLS reports 84 cumulative days on market as of October 5, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $435,000
Aug 7, 2026Price cut$425,000 (-$10,000, -2.3%)
Sep 25, 2026Price cut$420,000 (-$5,000, -1.2%)
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 $420,000Momentum Realty · on market 84 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 Bradley Pond 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.
Sold Oct 2025
$450,000
12387 CLAPBOARD BLUFF Trail, Jacksonville
3 / 2.5 bd/ba · 2,246 sq ft · $200/sq ft
Courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY · View details →
Sold Feb 2026
$415,000
12336 CLAPBOARD BLUFF Trail, Jacksonville
4 / 2.5 bd/ba · 2,244 sq ft · $185/sq ft
Courtesy of FLORIDA'S CHOICE REALTY LLC · View details →
Sold Apr 2026
$489,000
4558 FARMHOUSE GATE Trail, Jacksonville
4 / 3 bd/ba · 2,213 sq ft · $221/sq ft
Courtesy of ERA ONETEAM REALTY · View details →
Sold Mar 2026
$384,900
4621 HARVEST GRAIN Trail, Jacksonville
3 / 2.5 bd/ba · 2,181 sq ft · $176/sq ft
Courtesy of FLORIDA HOMES REALTY & MTG LLC · View details →
Median of these 4 sales: $432,500 ($193/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.
$444,720the mess$565,056
Stronger local evidence — 4 comparable closed sales in Bradley Pond, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $420,000 — 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 — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
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 $72/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: 84 days on market vs. a 66-day community median
5 active listings competing, 3 under contract
≈15.0 months of supply
4 closed here in the last 12 months
For reference, this home is listed at $420,000 ($161/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.
Methodology: 2,616 sq ft × $170–$216/sq ft (±12% around the median of 4 comparable closed sales in Bradley Pond, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 5, 2026.
Momentum Scores
Momentum Property Score
66/100
Strongest on: Flood safety (95), Price vs area (91)
0 limited50100 exceptional
66/100 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 area91
This home $161/sq ft vs the community 12-month median $193/sq ft.
Affordability55
List price $420,000 vs the community median $432,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~15 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2023 build. Obtain a property-specific quote.
Market liquidity29
Community median 66 days on market, ~15.0 months of supply (12-month record).
Pricing power49
Recent sales closed at about 98.2% of original asking (~1.8% below). More room below asking generally favors buyers.
Coverage: 6 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
🟢 Buyer-leaning conditions around this listing. 15.0 months of supply in the surrounding market and 84 days on market for this home, against a 66-day area median.Days on market:this home 84Area median: 66 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 4, 2026.
🟡 Asking $161 per square foot, about 17% below the community’s $193 median. Bradley Pond’s 12-month median sold price per square foot is $193. Median sold price per square foot is down 7.0% year over year. Confidence: Low · 4 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 Bradley Pond are owner-occupied. An estimated 19% are non-owner-occupied, including 1% 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), 101 homes matched. Community-level context.
Recent Bradley Pond sales closed near 98.2% 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 October 4, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 5 active listings in Bradley Pond, no CDD assessment.
Updated October 5, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS · MLS # 2155125
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Keep looking
Similar homes for sale near Bradley Pond
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Apr 2026 · Development
Southeast Toyota opens $170M vehicle-processing facility at JAXPORT's Blount Island, adding 400+ jobs
Southeast Toyota Distributors dedicated a 380,000-square-foot vehicle processing facility across seven buildings on 88 acres at JAXPORT's Blount Island Marine Terminal in April 2026. The $170 million project can process about 4,000 vehicles a week, nearly double the prior facility, and created more than 400 full-time jobs, with about 95% of the workforce hired locally.
Why it matters: A large new employment center on Blount Island, minutes from northern Jacksonville's 32226 corridor, adds sustained local job demand that typically supports nearby housing absorption.
JAXPORT details $250M Blount Island modernization and record cargo in 2026 State of the Ports
At its February 2026 State of the Ports address, JAXPORT outlined a $250 million modernization of Blount Island's container and vehicle-handling capabilities and reported record fiscal-2025 volumes of nearly 1.4 million containers and 506,000 vehicles. The port says it supports more than 258,800 jobs and about $44 billion in annual regional economic impact, with an air-draft expansion on track to finish by the end of 2026.
Why it matters: Continued heavy investment in the Blount Island port complex anchors long-term industrial employment on North Jacksonville's northeast side, a structural demand driver for communities in and around 32226.
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.
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
New BerlinAssigned elementary school · Duval County School District · Grade A (Florida DOE 2025-26)
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)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 8 min
Dining
Kappuccinos Breakfast & Sports Bar 8 min
Shopping
Northpoint Village Shopping Center 8 min
Parks
Jacksonville Clay Target Sports 6 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 4633 HARVEST GRAIN Trail, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2023: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $72/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.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 2,616 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 $6,600/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. 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 record
realMLS, refreshed hourly (last: October 5, 2026)
Comparable sales
realMLS closed sales in Bradley Pond, last 18 months, as of October 4, 2026
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.
Answered before you ask
Frequently asked questions
How big is 4633 HARVEST GRAIN Trail and when was it built?
Per the listing record, 4633 HARVEST GRAIN Trail was built in 2023 and has 2,616 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 4633 HARVEST GRAIN Trail in?
4633 HARVEST GRAIN Trail is in Bradley Pond in Jacksonville, Duval County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 4633 HARVEST GRAIN Trail have an HOA, and how much are the dues?
The listing reports HOA dues of $72 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 4633 HARVEST GRAIN Trail differ from the current owner's?
The estimate on this page (about $6,600 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. 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 4633 HARVEST GRAIN Trail in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 4633 HARVEST GRAIN Trail 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 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.
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.
