Single Family Residence in North Creek, Jacksonville · No CDD
North Creek · Jacksonville, FL 32218 · Duval
Listing data updated September 8, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,600Sq Ft
2012Year Built
$169Per Sq Ft
2-car garageNo CDD4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
4% above
$/sq ft vs community
$169 here vs $162 median sold (12 mo)
Buyer leverage
Seller-leaning
2.0-month supply
2.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 8, 2026, 796 REFLECTION COVE Road in North Creek, Jacksonville is listed at $438,900 (2,600 sq ft, about $169 per sq ft). That is 22% above North Creek's median closed sale of $359,000 over the last 12 months (18 recorded sales). It came to market within the past week. Listing facts: built in 2012, HOA dues of $50/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2012 · 14 yrs
2,600 sq ft of living area
2-car garage
Listed at $438,900 — recent neighborhood median sale price ~$359,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $50/mo (per listing)
School district: County Duval County Florida Schools Duval County Public SchoolsCommunity built 2002–2013Oak Plaza · 4 min driveJeramie · 5 min driveLindacooks · 5 min drive
Momentum Research · North Creek
Pricing & the North Creek market
How this home is priced against recent nearby sales, and where North Creek 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 North Creek
Each dot is a closed sale since 2002 (785 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 $169/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 34 (cold).
Property timeline
This home’s history
2012BuiltPer public record
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
$2,893/mo
Principal & interest $2,268/mo78%
Taxes $417/mo14%
Insurance $158/mo5%
HOA $50/mo2%
$2,893/mo at 20% down, 30-yr @ 6.71% · 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 $3,275/yr ($273/mo)
+$3,675 more each year
(+112%)
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
$161,631
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
44/100
Strongest on: Market liquidity (74), Market timing (66)
0 limited50100 exceptional
44/100 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 area39
This home $169/sq ft vs the community 12-month median $162/sq ft.
Affordability13
List price $438,900 vs the community median $359,000. Not a measure of personal affordability.
Market liquidity74
Community median 36 days on market, ~2.0 months of supply (12-month record).
Renovation upside15
From a 2012 build and $169/sq ft vs the community median $162/sq ft. Not a condition assessment.
Pricing power56
Recent sales closed at about 96.8% of original asking (~3.2% below). More room below asking generally favors buyers.
Market timing66
Momentum Market Heat is 34/100 (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
🟡 Asking $169 per square foot, about 4% above the community’s $162 median. North Creek’s 12-month median sold price per square foot is $162. Median sold price per square foot is down 5.5% year over year. Confidence: Medium · 18 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.
75% of homes in North Creek are owner-occupied. An estimated 25% are non-owner-occupied, including 10% held in a company or trust and 13% 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), 282 homes matched. Community-level context.
Recent North Creek sales closed near 96.8% 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 7, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in North Creek, no CDD assessment.
Updated September 8, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to this spacious 4-bedroom, 3-bath home situated on a peaceful preserve homesite in North Jacksonville! Designed with both everyday living and entertaining in mind, the home features separate living and dining areas, an open-concept kitchen overlooking the family room, and architectural details including high ceilings and graceful archways. The kitchen offers granite countertops, abundant cabinetry, a breakfast area, and plenty of workspace.
With four bedrooms and three full baths, the flexible floor plan provides room for guests, a home office, or multi-generational living. Step outside to the expansive 30x10 covered patio and enjoy a private backyard setting with serene preserve views and no rear neighbors. Located in a community with a low HOA and convenient access to shopping, dining, schools, Jacksonville International Airport, and major roadways, this home offers space, privacy, and convenience all in one!
Description provided by SPECTRUM REALTY SERVICES 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$438,900
Bed / bath4 / 3
Living area2,600 sq ft
Year built2012
Property typeSingle Family Residence
Garage2-car
MLS #2162334
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureModerate
CountyDuval
Area listings3 active · 4 under contract
Estimated first-year tax~$5,003/yr
CDD assessmentNone on record
HOA (per listing)$50/mo
Calculated estimates
Price per sq ft$169
Estimated monthly payment$2,893
Insurance (illustrative)$2k–$3k/yr
Messtimate range$353,600 – $429,000
Comparable-sales median$359,000
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.
$353,600the mess$429,000
Actual list price: $438,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 21% 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 — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $50/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:
4 active listings competing, 4 under contract
≈2.0 months of supply
18 closed here in the last 12 months
For reference, this home is listed at $438,900 ($169/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: 2,600 sq ft × $136–$165/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 8, 2026.
Keep looking
Similar homes for sale near North Creek
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 $438,900Momentum Realty · on market 0 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.)
~$5,003/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–$3k/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 796 REFLECTION COVE Road?
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 SPECTRUM REALTY SERVICES · MLS # 2162334
Request a showing
Market data · public records
Recent sales activity in North Creek
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 North Creek neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$359,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$162
Canonical 12-month median $/sq ft. Reference only.
Go deeper on North Creek
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 19 miles southwest of North Creek, elsewhere in Duval County.
Wildlight subdivision advances in Yulee as the master-planned community expands
Rayonier's Wildlight master-planned community continued adding residential phases in Yulee in mid-2026, part of a long-range plan that pairs new housing with its commerce park and town center near Interstate 95.
Why it matters: Ongoing residential expansion at a large master-planned community adds new supply and amenities in the Yulee area, which can influence pricing and competition for nearby communities. The site is about 13 miles north of North Creek.
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 12 miles south of North Creek, 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 9 miles southeast of North Creek.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Jeramie 5 min
Dining
Lindacooks 5 min
Shopping
Oak Plaza 4 min
Parks
Play Factory and Cafe 6 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.
Louis SheffieldAssigned elementary school · Duval County School District
GRADEC
OceanwayAssigned middle school · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEC
First CoastAssigned high school · Duval County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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 Mar 2026
$300,000
550 ALICE COVE Court, Jacksonville
4 / 3.5 bd/ba · 2,656 sq ft · $113/sq ft
Courtesy of DJ & LINDSEY REAL ESTATE · View details →
Sold May 2026
$458,000
700 REFLECTION COVE Road, Jacksonville
4 / 2.5 bd/ba · 2,770 sq ft · $165/sq ft
Courtesy of WATSON REALTY CORP · View details →
Sold May 2026
$385,072
536 SUMMER BREEZE Drive, Jacksonville
4 / 3 bd/ba · 2,402 sq ft · $160/sq ft
Courtesy of ERA ONETEAM REALTY · View details →
Sold Mar 2026
$499,999
588 REFLECTION COVE Road, Jacksonville
4 / 3.5 bd/ba · 2,857 sq ft · $175/sq ft
Courtesy of FLORIDA HOMES REALTY & MTG LLC · View details →
Sold Apr 2026
$395,000
525 HARDEEVILLE Court, Jacksonville
4 / 2.5 bd/ba · 2,907 sq ft · $136/sq ft
Courtesy of INTEGRITY KEY REALTY LLC · View details →
Sold Mar 2026
$335,000
13951 SUMMER BREEZE Drive, Jacksonville
4 / 2 bd/ba · 2,217 sq ft · $151/sq ft
Courtesy of SUNSHINE REALTY & CO LLC · View details →
Community 12-month median: $162/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$2,012 – $2,926/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$941 – −$118At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 796 REFLECTION COVE Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2012: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $50/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 2,600 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 $5,003/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 8, 2026)
Community market stats
realMLS closed sales, as of September 7, 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 796 REFLECTION COVE Road and when was it built?
Per the listing record, 796 REFLECTION COVE Road was built in 2012 and has 2,600 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 796 REFLECTION COVE Road in?
796 REFLECTION COVE Road is in North Creek in Jacksonville, Duval County. The community section on this page shows recent closed sales, days on market, and active inventory for North Creek from the same MLS data.
Does 796 REFLECTION COVE Road have an HOA, and how much are the dues?
The listing reports HOA dues of $50 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 796 REFLECTION COVE Road differ from the current owner's?
The estimate on this page (about $5,003 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 796 REFLECTION COVE Road 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 796 REFLECTION COVE 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.
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.
