Townhouse in Aquatic Gardens, Atlantic Beach · No CDD
Aquatic Gardens · Atlantic Beach, FL 32233 · Duval
Listing data updated September 24, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,328Sq Ft
1986Year Built
$300Per Sq Ft
No CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$300 here vs $294 median sold (12 mo)
Buyer leverage
Buyer advantage
19 days on market
4.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 24, 2026, 696 AQUATIC Drive in Aquatic Gardens, Atlantic Beach is listed at $399,000 (1,328 sq ft, about $300 per sq ft). That sits within a few percent of Aquatic Gardens's median closed sale of $390,000 over the last 12 months (5 recorded sales). It has been 19 days on market. Listing facts: built in 1986, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1986 · 40 yrs
1,328 sq ft of living area
Listed at $399,000 — recent neighborhood median sale price ~$390,000 (nearby sales; deemed reliable, not an appraisal)
19 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · Aquatic Gardens
Pricing & the Aquatic Gardens market
How this home is priced against recent nearby sales, and where Aquatic Gardens 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 Aquatic Gardens
Each dot is a closed sale since 2002 (113 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 $300/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 40 (normal).
Property timeline
This home’s history
1986BuiltPer public record
Sep 4, 2026First trackedObserved at $399,000
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
$2,758/mo
Principal & interest $2,113/mo77%
Taxes $379/mo14%
Insurance $216/mo8%
HOA $50/mo2%
$2,758/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 $2,575/yr ($215/mo)
+$3,650 more each year
(+142%)
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
$221,203
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
54/100
Strongest on: Market liquidity (71), Market timing (60)
0 limited50100 exceptional
54/100 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 area45
This home $300/sq ft vs the community 12-month median $294/sq ft.
Affordability46
List price $399,000 vs the community median $390,000. Not a measure of personal affordability.
Market liquidity71
Community median 13 days on market, ~4.0 months of supply (12-month record).
Renovation upside46
From a 1986 build and $300/sq ft vs the community median $294/sq ft. Not a condition assessment.
Pricing power53
Recent sales closed at about 97.5% of original asking (~2.5% below). More room below asking generally favors buyers.
Market timing60
Momentum Market Heat is 40/100 (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. 4.0 months of supply in the surrounding market and 19 days on market for this home, against a 13-day area median.Days on market:this home 19Area median: 13 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 $300 per square foot, about in line with the community’s $294 median. Aquatic Gardens’s 12-month median sold price per square foot is $294. Median sold price per square foot is up 1.3% year over year. Confidence: Low · 5 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
57% of homes in Aquatic Gardens are owner-occupied. An estimated 43% are non-owner-occupied, including 12% held in a company or trust and 7% 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), 131 homes matched. Community-level context.
Recent Aquatic Gardens sales closed near 97.5% 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 1 active listings in Aquatic Gardens, no CDD assessment.
Updated September 24, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
There is something about life in Atlantic Beach that feels a little more relaxed. Bike rides to the beach, afternoons by the ocean, dinner at a favorite local spot and weekends spent exploring the shops, restaurants and laid back coastal scene that make this community such a special place to call home. This vibrant three bedroom, two bath end unit townhome offers an inviting opportunity to become part of it all.
Inspired by the colorful homes of the Florida Keys and Bahamas, the cheerful exterior immediately sets the tone. Inside, the home has been thoughtfully updated with a fresh, casual style that feels right at home near the coast. Luxury vinyl plank flooring flows throughout the main level, where the living and dining areas connect easily to an updated kitchen featuring white cabinetry, butcher block countertops, stainless steel appliances, tile backsplash and a stainless hood vent.
The flexible floor plan includes two bedrooms and a full bath downstairs, while the upstairs is dedicated to the primary suite with a walk in closet and private bath. All three bedrooms have recently been painted a fresh white, and new carpet was installed in the upstairs primary bedroom and on the stairs in August 2026. One of the home's best surprises is outside.
As an end unit, it enjoys a large, fully fenced backyard with plenty of room to create your own outdoor retreat, whether that means grilling with friends, letting the dogs run, gardening or simply relaxing after a day at the beach. Important improvements over the past several years include cementitious siding - 2020, replaced windows and sliding glass door - 2020, updated bathroom vanities - 2018, newer interior fencing and fresh exterior trim and coquina paint - 2026. An oversized two car driveway provides ample off street parking, and with no HOA, there are no monthly association fees.
Conveniently located just off Atlantic Boulevard between Penman and Mayport Road, this home puts you close to the beach and everything that makes Atlantic Beach such a sought after place to call home. An easygoing coastal lifestyle is waiting just outside your door.
All 49 photos
Description provided by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY 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$399,000
Bed / bath3 / 2
Living area1,328 sq ft
Year built1986
Property typeTownhouse
MLS #2163476
Listing status19 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureModerate
CountyDuval
Area listings1 active · 1 under contract
Estimated first-year tax~$4,549/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$300
Estimated monthly payment$2,758
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$390,000
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.
$343,952the mess$436,912
Actual list price: $399,000 — 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 1986 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 19 days on market vs. a 13-day community median
1 active listing competing, 1 under contract
≈4.0 months of supply
3 closed here in the last 12 months
For reference, this home is listed at $399,000 ($300/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: 1,328 sq ft × $259–$329/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 24, 2026.
Keep looking
Similar homes for sale near Aquatic 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.
1329 Estrela Lane, Atlantic Beach · $2,995,000 · 4 bd / 4.0 ba · listed September 15, 2026 (courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST)
45 Donner Road #C, Atlantic Beach · $599,000 · 3 bd / 2.5 ba · listed September 11, 2026 (courtesy of KST GROUP LLC)
1905 Sevilla Boulevard, Atlantic Beach · $1,245,000 · 3 bd / 2.5 ba · listed September 11, 2026 (courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS)
199 Main Street, Atlantic Beach · $325,000 · 3 bd / 2.0 ba · listed September 8, 2026 (courtesy of KELLER WILLIAMS FIRST COAST REALTY)
1515 Selva Marina Drive, Atlantic Beach · $2,100,000 · 5 bd / 3.0 ba · listed September 7, 2026 (courtesy of COMPASS FLORIDA LLC)
1960 Beach Avenue, Atlantic Beach · $3,500,000 · 4 bd / 3.0 ba · listed September 4, 2026 (courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST)
Listed for $399,000Momentum Realty · on market 19 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.)
~$4,549/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)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
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 696 AQUATIC Drive?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
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 Aquatic Gardens neighborhood guide for more.
Comparable sales found
3
Recent nearby closings in the data set.
Community median sale price
$390,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$294
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Aquatic 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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
JWB secures funding for 108 affordable housing units in Jacksonville
Jacksonville Today reported that JWB Real Estate Capital secured about $28.59 million in gap funding for 108 income-restricted units across three Westside sites on Tracy, Justina and Ricker roads. Plans include 38 townhome-style units and two sets of 35 efficiency units, priced at or below 60% of area median income for 50 years. Groundbreaking is expected by September 2026 with completion in 2027.
Why it matters: Adds new income-restricted rental and townhome housing supply on the Westside, increasing the stock of long-term affordable units and drawing public and tax-credit investment into three infill sites. The project is about 21 miles west of Aquatic Gardens, elsewhere in Duval County.
Culinary Institute of America selects Jacksonville for Southeast campus
News4Jax reported that the Culinary Institute of America chose downtown Jacksonville for its Southeast hub, to be located at 330 E. Bay Street on the Northbank riverfront. The campus would anchor a $160.5 million hotel and convention center development. The city previously approved up to $35 million in incentives, and the Downtown Investment Authority is finalizing agreements on design and property details.
Why it matters: Anchors a major downtown riverfront redevelopment that pairs an educational campus with hotel and convention space, adding institutional and commercial investment to the urban core alongside Riverfront Plaza and Pearl Square. The project is about 14 miles west of Aquatic Gardens, elsewhere in Duval County.
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
Why it matters: Continued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The project is about 29 miles west of Aquatic Gardens, elsewhere in Duval County.
Southeast Toyota opens $170M vehicle-processing facility at JAXPORT's Blount Island, adding 400-plus jobs
Southeast Toyota Distributors dedicated a new vehicle processing facility at JAXPORT's Blount Island Marine Terminal in April 2026. The company put the investment at $170 million and said the facility created more than 400 full-time jobs, most of them hired locally.
Why it matters: A large new employment center on Blount Island adds sustained local job demand, a factor that has historically supported nearby housing absorption. The site is about 8 miles northwest of Aquatic Gardens.
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.
Duncan U. Fletcher High School (Duval County Public Schools); verify by addressHigh · Duval County School District
Mayport Coastal Sciences Middle School; verify by addressMiddle · Duval County School District
Atlantic Beach Elementary School; verify by addressElementary · Duval County School District
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 Aug 2026
$390,000
639 AQUATIC Drive, Atlantic Beach
3 / 2 bd/ba · 1,328 sq ft · $294/sq ft
Courtesy of MOMENTUM REALTY · View details →
Sold Nov 2025
$360,000
756 AQUATIC Drive, Atlantic Beach
3 / 2 bd/ba · 1,328 sq ft · $271/sq ft
Courtesy of FLUID REALTY, LLC. · View details →
Sold May 2026
$455,000
570 AQUATIC Drive, Atlantic Beach
3 / 2 bd/ba · 1,440 sq ft · $316/sq ft
Courtesy of BACHMANN HOMES REALTY, LLC · View details →
Community 12-month median: $294/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$1,829 – $2,660/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.1%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$980 – −$232At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 696 AQUATIC Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1986 (40 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Duval County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,328 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 $4,549/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 24, 2026)
Community market stats
realMLS closed sales, as of September 22, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
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
How big is 696 AQUATIC Drive and when was it built?
Per the listing record, 696 AQUATIC Drive was built in 1986 and has 1,328 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 696 AQUATIC Drive in?
696 AQUATIC Drive is in Aquatic Gardens in Atlantic Beach, Duval County. The community section on this page shows recent closed sales, days on market, and active inventory for Aquatic Gardens from the same MLS data.
Does 696 AQUATIC Drive have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 696 AQUATIC Drive differ from the current owner's?
The estimate on this page (about $4,549 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 696 AQUATIC Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 696 AQUATIC Drive in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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.
