215 days on market (MLS) Single Family Residence ▼ Price cut: $4,100 (9/23)
$185,900
3-Bedroom Home in Riverdale Gardens

4826 Riverdale Road, Jacksonville, FL 32210

Single Family Residence in Riverdale Gardens, Jacksonville · No CDD on record
Riverdale Gardens · Jacksonville, FL 32210 · Duval County
Listing data updated October 3, 2026 · refreshed hourly
3Bedrooms
1Bathrooms
1,110Sq Ft
1943Year Built
$167Per Sq Ft
1-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.
37% above
$/sq ft vs community
$167 here vs $122 median sold (12 mo)
Buyer leverage
Buyer advantage
215 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~11 ft elevation
$1k–$2k/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 3, 2026, 4826 RIVERDALE Road in Riverdale Gardens, Jacksonville is listed at $185,900 (1,110 sq ft, about $167 per sq ft). That is 24% below Riverdale Gardens's median closed sale of $245,000 over the last 12 months (5 recorded sales). Per square foot it is above the community's recent $122/sq ft by about 37%. It has been 215 days on market, longer than the community's typical 47 days to contract. Listing facts: built in 1943, no HOA. 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 1943 · 83 yrs
  • 1,110 sq ft of living area
  • 1-car garage
  • 215 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this home

Completely Renovated in 2024 - Move-In Ready! This home has been upgraded throughout, featuring a fully remodeled kitchen, new flooring, and a complete electrical rewire and upgrade. The bathroom has also been beautifully updated with modern finishes.

Roof replaced in 2001 per permits and has been maintained. Bright, open living spaces create a comfortable flow for everyday living and entertaining. With major updates already completed, this home offers low maintenance and long-term value.

Located close to shopping, dining, and major roadways. Homes with this level of renovation are in high demand--don't miss your opportunity. Schedule your showing today!

Homes at this price point and location sell fast -- schedule your private showing today before it's gone. Fully updated and move-in ready! This charming Westside home features a bright open layout, spacious living and dining areas, and a functional kitchen perfect for everyday living and entertaining.

Comfortable bedrooms offer flexibility for guests, home office, or growing families. Enjoy a large backyard with plenty of room for gatherings, pets, gardening, or future additions. Ample driveway parking and no HOA provide freedom and convenience.

Located just minutes from major highways, shopping, dining, NAS Jax, and Downtown Jacksonville, this home combines accessibility with neighborhood charm. Ideal for first-time buyers, VA buyers, or investors seeking strong rental potential. Homes at this price point and location sell fast -- schedule your private showing today before it's gone.

All 10 photos

4826 Riverdale Road, Jacksonville FL - photo 6 of 104826 Riverdale Road, Jacksonville FL - photo 7 of 104826 Riverdale Road, Jacksonville FL - photo 8 of 104826 Riverdale Road, Jacksonville FL - photo 9 of 104826 Riverdale Road, Jacksonville FL - photo 10 of 10

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

Listing courtesy of EXP REALTY 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$185,900
Bed / bath3 / 1
Living area1,110 sq ft
Year built1943
Property typeSingle Family Residence
Garage1-car
MLS #2132671
Listing status215 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~11 ft
CountyDuval
Estimated first-year tax~$2,425/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$167
Estimated monthly payment$1,320
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$245,000

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

$1,320/mo
  • Principal & interest $1,018/mo 77%
  • Taxes $202/mo 15%
  • Insurance $101/mo 8%

$1,320/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
$2,425/yr
≈ $202/mo·effective rate ~1.30%
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 $2,175/yr ($181/mo) — taxable value $121,813 × 17.86 mills
$250 more each year
(+11%)

The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.

$121,813
Market value
$121,813
Assessed
$121,813
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)
$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
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
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
~11 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.

Property timeline

This home’s history

  • 1943BuiltPer public record
  • About Mar 2026Listed (per MLS)MLS reports 215 cumulative days on market as of October 3, 2026
  • Jul 10, 2026First seen on movewithmomentum.comObserved at $200,000
  • Aug 7, 2026Price cut$190,000 (-$10,000, -5.0%)
  • Sep 23, 2026Price cut$185,900 (-$4,100, -2.2%)
  • 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 $185,900Momentum Realty · on market 215 days
Public records

Building permits

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

Comparable recent sales

No closed sales of a similar home within about 10 miles in Duval County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Riverdale Gardens. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.

The Messtimate™

The Messtimate

Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Duval County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.

Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.

Methodology: the range would be 1,110 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 3, 2026.

Momentum Scores

Momentum Property Score

66/100
Strongest on: Pricing power (92), Affordability (90)
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 area0
This home $167/sq ft vs the community 12-month median $122/sq ft.
Affordability90
List price $185,900 vs the community median $245,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~11 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1943 build. Obtain a property-specific quote.
Market liquidity62
Community median 47 days on market (12-month record).
Pricing power92
Recent sales closed at about 89.6% of original asking (~10.4% below). More room below asking generally favors buyers.
Market timing78
Momentum Market Heat is 22/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.

Coverage: 7 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

🟡 Asking $167 per square foot, about 37% above the community’s $122 median. Riverdale Gardens’s 12-month median sold price per square foot is $122. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: no CDD assessment.

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

Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by EXP REALTY LLC · MLS # 2132671

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Keep looking

Similar homes for sale near Riverdale Gardens

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 Riverdale Gardens

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  • 4232 Appleton Avenue · $285,000 · 2 bd / 2.0 ba · listed October 2, 2026 (courtesy of BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY)
  • 210 W 54th Street · $229,990 · 3 bd / 2.0 ba · listed October 2, 2026 (courtesy of REAL BROKER LLC)

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

Go deeper

More on Riverdale Gardens

Go deeper on Riverdale Gardens

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.

GRADEB
BayviewAssigned elementary school · Duval County School District · Grade B (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)
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 4826 RIVERDALE Road, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1943 (83 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.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Duval County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 1,110 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 $2,425/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $250 more per year than the current owner’s estimated bill (+11%). 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, refreshed hourly (last: October 3, 2026)
Comparable salesFewer than 3 defensible closed sales within about 10 miles in Duval County — no medians or automated estimate shown
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
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 4826 RIVERDALE Road and when was it built?

Per the listing record, 4826 RIVERDALE Road was built in 1943 and has 1,110 sq ft of living area, 3 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 4826 RIVERDALE Road in?

4826 RIVERDALE Road is in Riverdale Gardens in Jacksonville, Duval County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.

Does 4826 RIVERDALE Road 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 4826 RIVERDALE Road differ from the current owner's?

The estimate on this page (about $2,425 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $250 more per year than the current owner’s estimated bill (+11%). 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 4826 RIVERDALE Road 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 4826 RIVERDALE Road 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.

Call (904) 351-6461

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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.