A 2000s-built single-family HOA community on Jacksonville's Northside, minutes from I-95, I-295, and I-10.
Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.
"Cambridge Estates is a single-family HOA community on the northern edge of Jacksonville, developed through the 2000s with midsize homes across a wide square-footage range. The read is value-and-access: a relaxed Northside setting with a managed HOA, close to the I-95, I-295, and I-10 interchange and the Northside's growing retail, at a price point below the Southside and beaches. You buy the individual home and its condition and confirm the current HOA dues and what they cover."
Jon Brooks, founder, Momentum Realty · Updated June 2026
Cambridge Estates market snapshot (as of June 25, 2026): the median sale price is about $295K ($130 per sq ft), with homes averaging 19 days on market and 1.2 months of supply, a seller's market (limited data). Based on 10 recent closings in live realMLS data.
Cambridge Estates is a single-family residential community on the northern edge of Jacksonville, Duval County, in the 32218 ZIP code (neighborhoods.com, 2026; Watson Realty, 2026). The community dates to about 2000 with construction continuing toward roughly 2008.
Homes are midsize and range widely, reported from about 1,614 to 3,600 square feet, which gives buyers options from a starter footprint to a larger plan within one community (neighborhoods.com, 2026). Because the homes were built over several years, condition and updates vary from house to house.
The community runs on a homeowners association that oversees the common areas and upkeep; confirm the current dues and exactly what they cover for the specific home, because HOA budgets change (Watson Realty, 2026). This is a managed single-family community rather than a gated, amenity-heavy one.
The Northside location is the practical draw: quick access to Interstate 95, Interstate 295, and Interstate 10, which connects to the airport, downtown, and the wider region, with Northside retail and dining close by. Price a home on its condition and lot, comparing against the closest Northside Jacksonville sale.
Real aerial and on-site photos of Cambridge Estates. Swipe to explore the community and its amenities.
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Cambridge Estates
Cambridge Estates
Cambridge EstatesTight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.
Live from realMLS, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Cambridge Estates listings and the trailing twelve months of closed sales.
Our proprietary read on how a home in Cambridge Estates buys, holds, and resells. See the five factors.
Live MLS inventory for Cambridge Estates. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 19 daysTop listing
Pending · 56 days
Pending · 35 daysActive and pending Cambridge Estates listings as of 2026-06-25, priced high to low. Source: Data provided by realMLS.. Tap any home to ask about it.
Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.
Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.
The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.
Drive times from Cambridge Estates. They are approximate and vary with traffic and your exact start point.
Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.
Explore more neighborhoods near Cambridge Estates Homes for Sale in Jacksonville, FL with Momentum Realty’s local guides.
Carrying cost · the no-CDD edge
No CDD bond means thousands less per year than newer master plans.
Roughly $25,000 saved over 10 years in carrying cost, before resale.
Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.
Cambridge Estates is served by Duval County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.
Buying with schools in mind? We can confirm the exact zoned schools for any Cambridge Estates address.
What actually bears on this purchase, sourced and dated. We do not publish a figure we have not verified.
Our read on what is being built around Cambridge Estates, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.
Northside highway-access corridor
Duval County millage and homestead
Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.
Development, infrastructure, retail, and school activity affecting Cambridge Estates, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.
Showing the latest, scroll for all updates ↓
The City of Jacksonville and Duval County set the 2024 millage that determines the county and city portion of the property-tax bill for Jacksonville parcels (Duval County Property Appraiser, 2024). Why it matters: Pull the actual tax line and homestead status for the specific home from the Duval County Property Appraiser, plus the FEMA flood zone and a bindable insurance quote, rather than the seller's estimate. Source
Cambridge Estates was developed from about 2000 with construction continuing toward roughly 2008, producing midsize single-family homes from about 1,614 to 3,600 square feet (neighborhoods.com, 2026). Why it matters: Because homes span several build years, confirm the year, roof, and systems age on the specific house. Source
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
If we were buying in Cambridge Estates, this is the order of operations we would run, and the one we run for our clients.
Judge the specific house. Build year, roof, and systems vary across the 2000s build-out; price off condition and a current inspection.
Get the HOA budget and dues. Confirm the current dues, what they cover, the reserve balance, and any planned special assessment.
Pull the flood zone and an insurance quote. Northside parcels can sit in different FEMA zones; get the zone and a bindable quote during diligence.
Confirm the schools and commute. Verify the zoned Duval schools by address and time your actual commute from the specific street.
Comp within the Northside. Compare against the closest recent Northside Jacksonville sale of similar size, not a Southside listing.
On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.
Cambridge Estates is a single-family HOA community on the northern edge of Jacksonville, Duval County (32218), developed from about 2000 with construction toward roughly 2008, with midsize homes from about 1,614 to 3,600 square feet (neighborhoods.com, 2026; Watson Realty, 2026). It is a managed, value-oriented Northside community minutes from the I-95, I-295, and I-10 interchange, the airport, and Northside retail.
Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.
Here are the broad resale bands in Cambridge Estates today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.
A smaller floor plan that needs cosmetic or systems work. Price it on condition and confirm the HOA dues and flood zone before you write.
An updated three- or four-bedroom home in the middle of the size range, which is what most buyers here want. The highway access and price point are the story; pay for genuine condition.
The larger homes toward the top of the size range, fully updated. The premium reflects size and lot; confirm it against the closest Northside comp.
Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.
Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.
Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.
The factors that actually move value in Cambridge Estates, condition, lot, and the renovation math, read from current listings and recent sales.
Renovated-listing inventory in Cambridge Estates is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.
On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.
Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.
Our read on the factors that protect resale here, and the one to manage.
Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.
The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.
The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.
1The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.
2A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.
3A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.
4Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.
5An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.
Cambridge Estates sells midsize, HOA-managed Northside living with strong highway access at a value price. The deal is not in a brochure; it is in the individual home, the HOA math, and a Northside comp set.
Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.
Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.
Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.
Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.
Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.
Cambridge Estates is a single-family HOA community, so lot value is driven by size, whether the lot backs to a pond or conservation, and the home's own condition. A larger or pond lot carries the local premium, while a standard interior lot is the value play. Because the homes were built over several years, the honest approach is to price each home on its inspected condition and flood zone, and to compare it against the closest recent Northside Jacksonville sale of similar size.
Cambridge Estates is governed by a homeowners association with dues that fund the common areas and upkeep; confirm the current figure, what it covers, and the reserve balance directly with the association.
The HOA generally funds the common areas, entrance, and shared maintenance; with single-family homes, the owner is responsible for the house and lot. Confirm exact inclusions.
Cambridge Estates is a managed single-family community rather than a gated, amenity-campus one; confirm any shared facilities with the association.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.
Your buyer is cross-shopping the Northside's HOA communities, so sell what is specific: your home's size and updates, the HOA dues and what they cover, the flood zone, and the highway access.
Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.
Because buyers here are weighing your home against renovated comps and cross-shopping Bainebridge Estates, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.
Get a no-obligation home value based on real comparable sales in Cambridge Estates matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Cambridge Estates on the map →
Median sale prices in Cambridge Estates year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.
Before the list price, the Florida math the portals skip. These are Duval County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Duval County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Cambridge Estates is currently a strong seller's market. About 1.2 months of supply, a median asking price of $345,000, and homes go under contract in about 20 days.
Typical home value in the 32218 ZIP is $298,456, about 12.0% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
An honest fit check. We will tell you when it is not your community.
Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Cambridge Estates home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.
A Momentum Realty Cambridge Estates specialist will reach out personally, usually the same day.
Zoom out before you decide: see the Duval County market guide or every community in the Neighborhood Finder.
Get a real cash offer on your Cambridge Estates home in 24 hours and close in as little as 7 days, as-is. Because Momentum is a licensed RealTrends-500 brokerage, we'll also show you what listing would net - so you choose with both numbers.
Get my Duval County cash offer →
Sell my house fast in Duval County · How Momentum Offers works
Buying or researching Duval County? See the full Duval County real estate market report - prices, inventory, schools, taxes, and every Duval County neighborhood.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the RealMLS member average and 8 days faster, and we’ll price yours against live your area comps.
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