Single Family Residence in New Springfield, Jacksonville · No CDD on record · Built 2024
New Springfield · Jacksonville, FL 32206 · Duval County
Listing data checked against the MLS October 28, 2026 at 10:47 AM ET · rechecked hourly
Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTY (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,209Sq Ft
2024Year Built
$189Per Sq Ft
2-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.
41% above
$/sq ft vs community
$189 here vs $134 median sold (12 mo)
Buyer leverage
Strong buyer advantage
24.5-month supply
24.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~23 ft elevation
$500–$1k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
731 W 16TH Street in New Springfield, Jacksonville is listed at $228,020 (1,209 sq ft, about $189 per sq ft). That sits within a few percent of New Springfield's median closed sale of $227,000 over the last 12 months (25 recorded sales). Per square foot it is above the community's recent $134/sq ft by about 41%. It came to market within the past week. Listing facts: built in 2024, 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 2024 · 2 yrs
1,209 sq ft of living area
2-car garage
Listed at $228,020 — recent neighborhood median sale price ~$227,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
No HOA reported by the listing (confirm)
School district: HOA No HOA and no CDD on most homes County Duval County Florida Schools Duval County Public SchoolsCommunity built 1902–2026Othello · 1 min driveFoxy Lady Cafe · 1 min driveProfessional Offices Building (POB) · 2 min drive
Listing description
About this home
This 2024 build home is move in ready! It has 3 bedrooms and 2 bathrooms with 1,209 sq feet of living space and updates throughout. Call for your showing today!
Description provided by BETTER HOMES AND GARDENS LIFESTYLES REALTY 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$228,020
Bed / bath3 / 2
Living area1,209 sq ft
Year built2024
Property typeSingle Family Residence
Garage2-car
MLS #2161990
Listing statusPending
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~23 ft
CountyDuval
Area listings51 active · 11 under contract
Estimated first-year tax~$3,175/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$189
Estimated monthly payment$1,581
Insurance (illustrative)$500–$1k/yr
Messtimate range$205,530 – $249,054
Comparable-sales median$227,000
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
$1,581/mo
Principal & interest $1,253/mo79%
Taxes $265/mo17%
Insurance $63/mo4%
$1,581/mo at 20% down, 30-yr @ 7.32% · 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.
⚠️
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 $3,050/yr ($254/mo) — taxable value $171,165 × 17.86 mills
$125 more each year
(+4%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$1,000
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.
$172,165
Market value
$171,165
Assessed
$171,165
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.
What it really costs to own 731 W 16Th Street
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $3,050/yr (certified county roll, taxable value × millage). Buy at the asking price of $228,020 and the first-year bill resets to about $3,175/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 17.86 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Duval County is $1,315/yr (2,001 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $500–$1,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2024. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $374/month (tax $265, insurance $110). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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)
$500–$1k/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
~23 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 · Springfield
Pricing & the Springfield market
How this home is priced against recent nearby sales, and where Springfield 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.
Property timeline
This home’s history
2024BuiltPer public record
Aug 27, 2026First seen on movewithmomentum.comObserved at $228,020
NowPendingSale pending
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 $228,020Momentum Realty
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles 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 2026
$204,990
1545 15TH Street, Jacksonville
3 / 2 bd/ba · 1,209 sq ft · $170/sq ft
· View details →
Sold Jul 2026
$249,000
1116 E 16TH Street, Jacksonville
3 / 2 bd/ba · 1,209 sq ft · $206/sq ft
· View details →
Sold Sep 2026
$204,990
1936 5TH Street, Jacksonville
3 / 2 bd/ba · 1,209 sq ft · $170/sq ft
· View details →
Sold Mar 2026
$235,000
918 DEERWOOD Circle, Jacksonville
3 / 2 bd/ba · 1,209 sq ft · $194/sq ft
· View details →
Sold Jun 2026
$249,990
544 E 59TH Street, Jacksonville
3 / 2 bd/ba · 1,209 sq ft · $207/sq ft
· View details →
Sold Sep 2026
$230,000
7853 LUEDERS Avenue, Jacksonville
3 / 2 bd/ba · 1,209 sq ft · $190/sq ft
· View details →
Median of these 6 sales: $227,000 ($134/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$166,100the mess$249,100
Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market); the Duval County 2025 tax roll just value ($172,165) × the local sale-to-roll ratio of 40 nearby sales.
Track record: across 2,976 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-24.
Actual list price: $228,020 ($189/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
51 active listings competing, 10 under contract
≈24.5 months of supply
80 closed here in the last 12 months
Want a property-specific value 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.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (40 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 28, 2026.
Momentum Scores
Momentum Property Score
54/100
Strongest on: Flood safety (95), Insurance cost (80)
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 area0
This home $189/sq ft vs the community 12-month median $134/sq ft.
Affordability49
List price $228,020 vs the community median $227,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~23 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2024 build. Obtain a property-specific quote.
Market liquidity36
Community median 48 days on market, ~24.5 months of supply (12-month record).
Pricing power62
Recent sales closed at about 95.6% of original asking (~4.4% 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
🟡 Asking $189 per square foot, about 41% above the community’s $134 median. Springfield’s 12-month median sold price per square foot is $134. Confidence: High · 25 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.
39% of homes in Springfield are owner-occupied. An estimated 61% are non-owner-occupied, including 26% held in a company or trust and 8% 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), 2099 homes matched. Community-level context.
Recent Springfield sales closed near 95.6% 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 27, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 51 active listings in Springfield, no CDD assessment.
Checked against the MLS October 28, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
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Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTY · MLS # 2161990
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Keep looking
Similar homes for sale near New Springfield
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.
Jan 2026 · Civic
City Council approves sale of historic Springfield Armory to redevelopment nonprofit
Jacksonville City Council voted 17-0 on Jan. 13 to sell the city-owned former Florida National Guard Armory at 851 N. Market St. to a subsidiary of Fort Lauderdale-based REVA Development Corp. for $3.04 million. The 1916 building, slated since 2019 for a mixed-use conversion with galleries, co-working, a food hall and a microbrewery, has had only roof and minor repairs to date, with full rehab estimated near $30 million.
Why it matters: Transferring a long-stalled landmark to private ownership may set up adaptive reuse, though the timeline for actual construction remains uncertain.
SPAR acquires historic Drew Mansion for community-space rehab
Springfield Preservation and Revitalization announced Dec. 8 it had acquired the 1909 Drew Mansion at 245 W. Third St. and launched a $1.5 million campaign to rehabilitate and operate it. Plans call for converting the deteriorated landmark into a publicly accessible community space and archive with low-cost office space.
Why it matters: Stabilizing a deteriorated landmark through preservation may reinforce the historic character that distinguishes Springfield's housing stock.
Corner on Main apartments completed in Springfield
Corner on Main, a 202-unit mixed-use development at 1148 N. Main St., reached completion in early 2025, preserving a 1928 art-deco landmark while adding roughly 324,708 square feet of residences and ground-floor retail. The roughly $59 million project, built by Summit Contracting Group, features hidden parking, resort-style pools and Emerald Trail access.
Why it matters: A large new apartment count on Main Street may expand rental housing supply and street-level activity along Springfield's primary corridor.
Officials break ground on Hogan Street Link of the Emerald Trail
City and private leaders broke ground Sept. 25 on the Hogan Street Link, narrowing Hogan Street to one northbound lane with a two-way bike lane from Riverfront Plaza to Union Street. Full completion is targeted for early 2027; a later phase extending into Springfield to FSCJ awaits funding after a federal grant was voided in mid-2025.
Why it matters: Extending the Emerald Trail toward Springfield could improve pedestrian and bike connectivity, a feature increasingly cited near urban-core homes.
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.
GRADEC
Andrew A. Robinson Elementary SchoolPublic PreK-5 · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEB
Springfield Middle SchoolPublic 6-8 · Duval County School District · Grade B (Florida DOE 2025-26)
GRADEB
William M. Raines High SchoolPublic 9-12 · Duval County School District · Grade B (Florida DOE 2025-26)
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.
Dining
Othello 1 min
Shopping
Hope Centre Mall 7 min
Parks
Henry J. Klutho Park 3 min
Health
Professional Offices Building (POB) 2 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 731 W 16TH Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
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 1,209 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 $3,175/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $125 more per year than the current owner’s estimated bill (+4%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: October 28, 2026)
Comparable sales
realMLS closed sales within about 3 miles, last 18 months, as of October 27, 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 731 W 16TH Street and when was it built?
Per the listing record, 731 W 16TH Street was built in 2024 and has 1,209 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 731 W 16TH Street in?
731 W 16TH Street is in New Springfield in Jacksonville, Duval County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 731 W 16TH Street 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 731 W 16TH Street differ from the current owner's?
The estimate on this page (about $3,175 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $125 more per year than the current owner’s estimated bill (+4%). 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 731 W 16TH Street 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 731 W 16TH 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 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 jon@movewithmomentum.com 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.
