Listing data updated September 17, 2026 · refreshed twice daily
3Bedrooms
2.5Bathrooms
1,368Sq Ft
2021Year Built
$189Per Sq Ft
1-car garageNo 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.
19% above
$/sq ft vs community
$189 here vs $159 median sold (12 mo)
Buyer leverage
Strong seller market
27 days on market
1.7 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 1
Price vs recent sales
Asking $259k is at or below all 1 recent closed sales
As of September 17, 2026, 7836 MERCHANTS Way in Oakleaf Plantation, Jacksonville is listed at $259,000 (1,368 sq ft, about $189 per sq ft). That is 22% below Oakleaf Plantation's median closed sale of $330,000 over the last 12 months (109 recorded sales). Per square foot it is above the community's recent $159/sq ft by about 19%. It has been 27 days on market. Listing facts: built in 2021, HOA dues of $250/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2021 · 5 yrs
1,368 sq ft of living area
1-car garage
Listed at $259,000 — recent neighborhood median sale price ~$330,000 (nearby sales; deemed reliable, not an appraisal)
27 days on market
HOA $250/mo (per listing)
Golf course communityCommunity built 1990–2024Baptist Emergency Center · 5 min driveThai Basil · 7 min drivePJ's Coffee · 7 min drive
Momentum Research · Oakleaf Plantation
Pricing & the Oakleaf Plantation market
How this home is priced against recent nearby sales, and where Oakleaf Plantation 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 Oakleaf Plantation
Each dot is a closed sale since 2001 (4206 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 $189/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 25 (cold).
Property timeline
This home’s history
2021BuiltPer public record
Aug 28, 2026First trackedObserved at $259,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$1,918/mo
Principal & interest $1,345/mo70%
Taxes $246/mo13%
Insurance $77/mo4%
HOA $250/mo13%
$1,918/mo at 20% down, 30-yr @ 6.76% · 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 $2,925/yr ($244/mo)
+$800 more each year
(+27%)
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
$50,722
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
51/100
Strongest on: Affordability (86), Market timing (75)
0 limited50100 exceptional
51/100 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 area3
This home $189/sq ft vs the community 12-month median $159/sq ft.
Affordability86
List price $259,000 vs the community median $330,000. Not a measure of personal affordability.
Market liquidity73
Community median 41 days on market, ~1.7 months of supply (12-month record).
Renovation upside10
From a 2021 build and $189/sq ft vs the community median $159/sq ft. Not a condition assessment.
Pricing power59
Recent sales closed at about 96.2% of original asking (~3.8% below). More room below asking generally favors buyers.
Market timing75
Momentum Market Heat is 25/100 (cold). 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
🟠 Seller-leaning conditions around this listing. 1.7 months of supply in the surrounding market and 27 days on market for this home, against a 41-day area median.Days on market:this home 27Area median: 41 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 16, 2026.
🟡 Asking $189 per square foot, about 19% above the community’s $159 median. Oakleaf Plantation’s 12-month median sold price per square foot is $159. Median sold price per square foot is down 4.5% year over year. Confidence: Very High · 109 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.
60% of homes in Oakleaf Plantation are owner-occupied. An estimated 40% are non-owner-occupied, including 0% held in a company or trust and 10% 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), 10 homes matched. Community-level context.
Recent Oakleaf Plantation sales closed near 96.2% 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 September 16, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: a golf-course community, one of only 2 active listings in Oakleaf Plantation, no CDD assessment.
Updated September 17, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome home! This beautiful 3-bedroom, 2.5-bath townhome offers the perfect mix of comfort, style, and convenience. Step inside to a bright, open layout that makes the home feel warm and inviting from the moment you walk in.
The spacious kitchen flows seamlessly into the living and dining areas, making it perfect for entertaining friends, enjoying family time, or simply relaxing after a long day. Upstairs, you'll find a comfortable primary suite with a private bath, along with two additional bedrooms that offer plenty of flexibility for family, guests, a home office, or even your own personal retreat. With 2.5 bathrooms, generous living space, and a low-maintenance townhome lifestyle, this home makes everyday living easy.
Whether you're buying your first home, looking for more space, or simply ready for something new, this is one you'll want to see in person. Schedule your showing and come see what makes this home feel special!
All 31 photos
Description provided by SUNSHINE REALTY LLC 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$259,000
Bed / bath3 / 2.5
Living area1,368 sq ft
Year built2021
Property typeTownhouse
Garage1-car
MLS #2162226
Listing status27 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureModerate
CountyDuval
Area listings2 active · 1 under contract
Estimated first-year tax~$2,953/yr
CDD assessmentNone on record
HOA (per listing)$250/mo
Calculated estimates
Price per sq ft$189
Estimated monthly payment$1,918
Insurance (illustrative)$500–$2k/yr
Comparable-sales median$330,000
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.
$191,520the mess$243,504
Actual list price: $259,000 — 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 & 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 — this home carries HOA dues of $250/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: 27 days on market vs. a 41-day community median
2 active listings competing, 1 under contract
≈1.7 months of supply
14 closed here in the last 12 months
For reference, this home is listed at $259,000 ($189/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: 1,368 sq ft × $140–$178/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 17, 2026.
Keep looking
Similar homes for sale near Oakleaf Plantation
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $259,000Momentum Realty · on market 27 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$2,953/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)
$500–$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 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
$250/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 7836 MERCHANTS Way?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by SUNSHINE REALTY LLC · MLS # 2162226
Request a showing
Market data · public records
Recent sales activity in Oakleaf Plantation
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 Oakleaf Plantation neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$330,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$159
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Oakleaf Plantation
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Infrastructure
First Coast Expressway credited with steering growth along the Oakleaf corridor
The Jacksonville Daily Record published a feature on the 1.8 billion dollar First Coast Expressway, describing how the SR 23 toll road is channeling commercial and residential investment through Clay County and the Oakleaf area. The piece ties recent retail activity near Oakleaf Plantation Parkway, including the new Walmart Supercenter at the interchange, to the road's expanding reach.
Why it matters: Continued buildout along the expressway corridor could keep adding commuter routes and commercial services near Oakleaf, a pattern that historically supports sustained buyer interest in master-planned communities.
Build-to-rent buyer acquires 10 parcels in The District at Oakleaf Village Phase 1
County records published by the Jacksonville Daily Record show Oakleaf BTR SPE LLC paid about 2.36 million dollars for 10 residential parcels on York Lane in The District at Oakleaf Village Phase 1, purchased from Meritage Homes of Florida. The transaction ranked among Northeast Florida's top commercial sales recorded March 30 through April 5, 2026.
Why it matters: Institutional build-to-rent activity in new Oakleaf-area phases may add rental inventory alongside for-sale product, a mix that could influence absorption pacing in nearby resale segments.
Dunkin' location planned south of Oakleaf Plantation Parkway
Clay County is reviewing a permit application for a freestanding 1,380 square foot Dunkin' with a drive-thru and 12 parking spaces at east Canaveral Trace and Resilience Way, south of Oakleaf Plantation Parkway with the First Coast Expressway to the east. The vacant parcel is owned by Armstrong Development, and civil review of project plans is the next step in the county approval process.
Why it matters: Another quick-service brand pursuing a pad site in Oakleaf may signal that retailers view corridor traffic counts as strong enough to support continued commercial infill.
Walmart Supercenter opens at First Coast Expressway and Oakleaf Plantation Parkway
Walmart cut the ribbon February 4 on a roughly 175,000 square foot Supercenter with an adjacent 4,365 square foot liquor store at 10000 Omni Drive, at the southwest corner of the First Coast Expressway and Oakleaf Plantation Parkway. The company said the store adds about 400 jobs to the region.
Why it matters: A full-size Supercenter at the community's main interchange could shorten everyday shopping trips for Oakleaf residents, an amenity factor that historically supports demand in surrounding subdivisions.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 8 min
Dining
Thai Basil 7 min
Shopping
Oakleaf Commons 8 min
Parks
The Oaks Park 9 min
Assigned schools
Assigned schools
Schools currently assigned to this address in Duval County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEB
Plantation Oaks Elementary (Clay)Public K-6 · Duval County School District · Grade B (Florida DOE 2025-26)
GRADEA
Discovery Oaks Elementary (Clay)Public K-6 · Duval County School District · Grade A (Florida DOE 2025-26)
GRADEB
Oakleaf Junior High (Clay)Public 7-8 · Duval County School District · Grade B (Florida DOE 2025-26)
GRADEA
Oakleaf High School (Clay)Public 9-12 · Duval County School District · Grade A (Florida DOE 2025-26)
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 Oct 2025
$320,000
688 SOUTHLAND Lane, Orange Park
4 / 2 bd/ba · 1,673 sq ft · $191/sq ft
Courtesy of FLORIDA HOMES REALTY & MTG LLC · View details →
Community 12-month median: $159/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$1,187 – $1,727/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate3.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$766 – −$280At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 7836 MERCHANTS Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2021: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $250/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 1,368 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 $2,953/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 17, 2026)
Community market stats
realMLS closed sales, as of September 16, 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 7836 MERCHANTS Way and when was it built?
Per the listing record, 7836 MERCHANTS Way was built in 2021 and has 1,368 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 7836 MERCHANTS Way in?
7836 MERCHANTS Way is in Oakleaf Plantation in Jacksonville, Duval County. The community section on this page shows recent closed sales, days on market, and active inventory for Oakleaf Plantation from the same MLS data.
Does 7836 MERCHANTS Way have an HOA, and how much are the dues?
The listing reports HOA dues of $250 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 7836 MERCHANTS Way differ from the current owner's?
The estimate on this page (about $2,953 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 7836 MERCHANTS Way 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 7836 MERCHANTS Way 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.
