Single Family Residence in Heritage South, Jacksonville · No CDD on record
Heritage South · Jacksonville, FL 32221 · Duval County
Listing data checked against the MLS November 3, 2026 at 12:31 PM ET · rechecked hourly
Listed by ENTERA REALTY LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,483Sq Ft
1972Year Built
$169Per Sq Ft
1-car garageNo CDD on record
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.
4% above
$/sq ft vs community
$169 here vs $162 median sold (12 mo)
Buyer leverage
Seller-leaning
41 days on market
3.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
8232 FROST Street in Heritage South, Jacksonville is listed at $249,900 (1,483 sq ft, about $169 per sq ft). That is 18% above Heritage South's median closed sale of $212,073 over the last 12 months (3 recorded sales). It has been listed Sep 23, 2026. Listing facts: built in 1972, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1972 · 54 yrs
1,483 sq ft of living area
1-car garage
Listed at $249,900 — recent neighborhood median sale price ~$212,073 (nearby sales; deemed reliable, not an appraisal)
listed Sep 23, 2026
No HOA reported by the listing (confirm)
Listing description
About this home
Welcome to this 3-bedroom, 2-bathroom home in the Heritage South neighborhood. This residence features a classic traditional floor plan, providing distinct and functional living spaces. The kitchen is equipped with stainless steel appliances and laminate countertops, and the home benefits from a 2018 roof replacement.
Step outside to enjoy a fully fenced backyard, offering a great private space for outdoor activities, gardening, or relaxation. Conveniently located near local schools and shopping, with quick access to I-10, I-295, and Normandy Blvd for an easy commute. Schedule your showing today!
One or more photos in this listing have been virtually staged.
All 19 photos
Description provided by ENTERA REALTY LLC and reproduced from the MLS; not independently verified.
6 closed sales in Heritage South 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 May 2026
$250,000
8338 DOBRY Court, Jacksonville
3 / 2 bd/ba · 1,505 sq ft · $166/sq ft
Courtesy of FATHOM REALTY FL, LLC. · View details →
Sold Aug 2026
$212,073
8204 FROST Street, Jacksonville
3 / 2 bd/ba · 1,432 sq ft · $148/sq ft
Courtesy of JASON MITCHELL REAL ESTATE FLORIDA, LLC. · View details →
Sold Nov 2025
$282,000
1229 SANTIAGO Drive, Jacksonville
3 / 2 bd/ba · 1,570 sq ft · $180/sq ft
Courtesy of EXP REALTY LLC · View details →
Sold Jul 2026
$215,000
1039 TONEY TERRACE Court, Jacksonville
2 / 2 bd/ba · 1,326 sq ft · $162/sq ft
Courtesy of WATSON REALTY CORP · View details →
Sold Dec 2025
$187,000
785 GLORIA Drive, Jacksonville
4 / 2 bd/ba · 1,263 sq ft · $148/sq ft
Courtesy of FREEDOM REALTY GROUP LLC · View details →
Sold May 2026
$284,000
8234 FROST Street, Jacksonville
3 / 2 bd/ba · 1,224 sq ft · $232/sq ft
Courtesy of KELLER WILLIAMS REALTY AT THE LAKES · View details →
Median of these 6 sales: $212,073 ($162/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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$249,900
Bed / bath3 / 2
Living area1,483 sq ft
Year built1972
Property typeSingle Family Residence
Garage1-car
MLS #2166066
Listing statuslisted Sep 23, 2026
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~61 ft
CountyDuval
Area listings3 active · 1 under contract
Estimated first-year tax~$3,575/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$169
Estimated monthly payment$1,796
Insurance (illustrative)$1k–$2k/yr
Messtimate range$219,484 – $266,940
Comparable-sales median$212,073
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
$1,796/mo
Principal & interest $1,362/mo76%
Taxes $298/mo17%
Insurance $136/mo8%
$1,796/mo at 20% down, 30-yr @ 7.24% · 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.
Current owner’s estimated bill $3,575/yr ($298/mo) — taxable value $200,249 × 17.86 mills
About the same each year
(+0%)
The estimate for a new owner and the current owner’s estimated bill are within a few percent of each other. Exemptions, portability and any change in millage will move the actual bill.
$200,249
Market value
$200,249
Assessed
$200,249
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 8232 Frost 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 $3,575/yr (certified county roll, taxable value × millage). Buy at the asking price of $249,900 and the first-year bill resets to about $3,575/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 $1,000–$2,500/yr; neither is a quote.
Roof and age
Built in 1972. An original roof would be about 54 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $408/month (tax $298, 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)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood 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
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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~61 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.
County hazard risk ratings (FEMA National Risk Index, county level)
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.
Internet & broadband — how to check availability for this address
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 · Heritage South
Pricing & the Heritage South market
How this home is priced against recent nearby sales, and where Heritage South 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
1972BuiltPer public record
About Sep 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Sep 23, 2026)
Sep 23, 2026First seen on movewithmomentum.comObserved at $249,900
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $249,900ENTERA REALTY LLC · listed Sep 23, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
42/100
Strongest on: Market liquidity (56), Pricing power (54)
0 limited50100 exceptional
42/100 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.
Affordability20
List price $249,900 vs the community median $212,073. Not a measure of personal affordability.
Market liquidity56
Community median 61 days on market, ~3.3 months of supply (12-month record).
Pricing power54
Recent sales closed at about 97.3% of original asking (~2.7% below). More room below asking generally favors buyers.
Coverage: 4 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
🟠 Seller-leaning conditions around this listing. 3.3 months of supply in the surrounding market and 41 days on market for this home, against a 61-day area median.Days on market:this home 41Area median: 61 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 November 1, 2026.
🟡 Asking $169 per square foot, about 4% above the community’s $162 median. Heritage South’s 12-month median sold price per square foot is $162. Confidence: Low · 3 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.
65% of homes in Heritage South are owner-occupied. An estimated 35% are non-owner-occupied, including 15% held in a company or trust and 12% 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), 130 homes matched. Community-level context.
Recent Heritage South sales closed near 97.3% 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 November 1, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in Heritage South, no CDD assessment.
Checked against the MLS November 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by ENTERA REALTY LLC · MLS # 2166066
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Keep looking
Similar homes for sale near Heritage South
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.
Oct 2026 · Market
Northeast Florida home sales dip in September as inventory tightens
Closed sales across the six-county Northeast Florida Association of Realtors area fell 7.7% year over year to 1,608, with the median price at $398,566, up 2.8%. Active inventory dropped 18.4% to 6,348 homes. Median prices were $344,000 in Duval, $575,000 in St. Johns, $355,000 in Clay and $496,500 in Nassau.
Why it matters: Lower inventory with softer sales volume points to a thinner supply of listings across all four counties, with Clay the only one of the four showing a year-over-year price decline. The site is about 10 miles northeast of Heritage South.
FSCJ opens large automated semiconductor training lab, a first for Florida
Florida State College at Jacksonville has built a fully automated lab it describes as the first of its kind in Florida for its size. Students train on electrical, robotics, mechatronics, AI inspection and control systems used in chip manufacturing. The college says it aims to help draw semiconductor companies to Northeast Florida and prepare workers for local manufacturers.
Why it matters: A regional technical-training pipeline can support recruitment of advanced manufacturers, which would widen the local employment base. The site is about 10 miles northeast of Heritage South.
County Road 220 widening and Little Black Creek bridge replacement open to traffic in Clay County
The project finished ahead of schedule, with a new four-lane bridge over Little Black Creek replacing a 1947 structure. Phase 1 began in December 2024 with intersection improvements at Rideout Ferry Road, and Phase 2 began in January 2025. Officials say it should ease traffic along the corridor.
Why it matters: A four-lane CR 220 corridor improves commute capacity for Fleming Island and Middleburg area drivers. The site is about 10 miles south of Heritage South.
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 site is about 2 miles east of Heritage South.
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
Crystal SpringsAssigned elementary school · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEC
Chaffee TrailAssigned middle school · Duval County School District · Grade C (Florida DOE 2025-26)
Edward WhiteAssigned high school · Duval County School District
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 8232 FROST Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1972 (54 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 1,483 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 $3,575/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: November 3, 2026)
Comparable sales
realMLS closed sales in Heritage South, last 18 months, as of November 1, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
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 8232 FROST Street and when was it built?
Per the listing record, 8232 FROST Street was built in 1972 and has 1,483 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 8232 FROST Street in?
8232 FROST Street is in Heritage South in Jacksonville, Duval County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 8232 FROST 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 8232 FROST Street differ from the current owner's?
The estimate on this page (about $3,575 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. 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 8232 FROST Street 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.
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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.
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.
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.
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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.
