Clearwater Oaks
Homes for Sale in Jacksonville, FL
All 4,477 homes for sale in Jacksonville, FL · median $299,999 · 76 homes for sale in 32223 · Duval County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via realMLS
As of October 2026, the MLS records 70 closed sales in Clearwater Oaks in Jacksonville, FL since 2001, the most recent in August 2026. Recorded prices since 2024 ran from $394,000 to $600,000 (median $549,000), on homes of 1,962 to 3,372 sq ft. Across Jacksonville as a whole, 7,643 homes closed in the last 12 months at a median of $315,000, 43 median days on market, with 4,168 homes for sale today. At that median and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $9,810 ($9,070 with the full homestead exemption).
Clearwater Oaks is not a single-era subdivision — the 166 homes here span a build range from 1900 to 2021, with a median build year of 1986. That spread is the first thing to understand about pricing: condition and system age vary house to house far more than they would in a community built out in one phase, so two homes on the same street can sit at very different points on the value curve for reasons that have nothing to do with location.
With no organized community amenities identified in current MLS listings, this is a location- and home-driven market rather than an amenity-driven one. At a 75.6% homestead share, the majority of owners here are in primary residences, which tends to support steadier upkeep and fewer investor-driven surprises at resale — but buyers should still expect to evaluate each property on its own condition rather than leaning on a community standard.
Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Clearwater Oaks right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Clearwater Oaks in Jacksonville (Duval County) is a 166-home community built out over more than a century, with a median build year of 1986 and no organized community amenities — value here is set home by home, not by shared facilities.
realMLS (Northeast Florida) sales records identify 37 homes in Clearwater Oaks that have changed hands since 2002, built between 1990 and 1995 (median 1992), with a median living area of about 2,346 sq ft and a typical 4-bedroom, 2.5-bath layout; 95% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 10 qualified sales in Clearwater Oaks across 2024–2025 (5 in 2024, 5 in 2025), median $394,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Clearwater Oaks is best for.
Best for
- Buyers prioritizing living space and a primary-residence-dominant market over shared amenities
- Buyers comfortable evaluating condition and system age on a home-by-home basis given the wide build range
- Buyers who don't want amenity fees bundled into ownership and prefer to fund their own upgrades
Probably not for
- Buyers who want the certainty of a single-era build with uniform construction standards
- Buyers seeking a clubhouse, pool, or other packaged community amenities as part of the purchase
- Buyers unwilling to budget inspection time and contingency for older-system homes mixed into the inventory
The market around Clearwater Oaks
Clearwater Oaks is too small for its own price trend, so here is the market around it.
In ZIP 32223, 120 homes are on the market and 36% are under contract — a fast-moving corner of Jacksonville.
Across Duval County, 4,384 homes are active and 1,562 pending (26% under contract).
In ZIP 32223 (Jacksonville), 590 homes closed in the last 12 months at a median of $370K ($214/sq ft), down 0.6% year over year, with a median 35 days on market. Right now 81 active and 43 pending listings put supply at about 2.9 months — a healthy market. See the live ZIP 32223 housing market and the Duval County market.
ZIP and county figures describe the wider market, not Clearwater Oaks specifically. Momentum Research analysis of MLS records.
Schools
- Duval County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Mandarin High School (Duval County Public Schools); verify by address · High
- Mandarin Middle School (verify by address)FLDOE grade A · Middle
- Loretto Elementary School or your address-zoned elementary school (verify by address) · Elementary
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Duval County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Clearwater Oaks address.
The Clearwater Oaks buying strategy.
If we were buying in Clearwater Oaks today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Clearwater Oaks.
Age spread over amenities
The build range — 1900 through 2021 — is wide enough that Clearwater Oaks functions less like a single community and more like a corridor of infill and legacy construction. A median build year of 1986 puts the typical home past its original systems' first life cycle, so roof, HVAC, and electrical age are worth confirming property by property rather than assumed from the neighborhood as a whole. Median living area sits at 2,336 square feet, which is a reasonable working baseline for space, but with this much vintage variety the layout and finish level behind that square footage can differ substantially.
There are no community amenities identified from current MLS listings — no clubhouse, pool, or shared recreation packaged into ownership here. That keeps carrying costs simpler (no HOA amenity fees to underwrite), but it also means the sell here is the home and the location, not a lifestyle package. The 75.6% homestead share is a useful signal for buyers: a strong majority of the 166 homes are owner-occupied primary residences, which generally correlates with more consistent day-to-day upkeep than a market with heavier investor or seasonal ownership.
The location and the amenities are priced into every listing in Clearwater Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this much build-year variation and no amenity package to standardize expectations, the difference between a good and a bad purchase comes down to how carefully each individual property is vetted. Momentum works Clearwater Oaks the way it should be worked — home by home, checking build year and condition against the specific listing rather than the neighborhood average, so you know exactly what you're pricing in before you write an offer.
Clearwater Oaks in 15 seconds.
Tools for a Clearwater Oaks buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Clearwater Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Clearwater Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Clearwater Oaks home worth?
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Recently off market in Clearwater Oaks
Homes in Clearwater Oaks that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 11849 Clearwater Oaks Drive · off market
Housing distress & ownership in Clearwater Oaks, Jacksonville
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
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Jacksonville guides & data
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- Flood zones
- Property taxes (Duval County)
- Homestead exemption (Duval County)
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Florida buyer guides
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- Florida property tax calculator
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- The 4-point inspection, explained
- Florida flood insurance calculator
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Loretto Square Drive S (17 homes on record)
- Loretto Square Drive S (10 homes on record)
Recent Developments in Clearwater Oaks
Development, infrastructure, retail, and school activity affecting Clearwater Oaks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Schools
Loretto Elementary breaks ground on $12.3 million classroom addition
The addition will replace 13 portable classrooms and two aging pod buildings with 15 classrooms, a music room and a teacher planning room, and will expand the parent drop-off loop. The school enrolls 875 students for 2026-27. Funding comes from the voter-approved half-cent sales tax, with opening expected in 2028.
What it may mean for the marketExpanded permanent capacity and a longer drop-off loop affect school-area traffic and classroom availability in the Mandarin area. The project is about 5 miles northwest of Clearwater Oaks, elsewhere in Duval County.
Source: Hoodline - September 2026Development
UF Health Durbin Park 99-bed hospital opens in northern St. Johns County; Baptist Silverleaf adds emergency department
UF Health Durbin Park, a 99-bed hospital with a 24-hour emergency department on 42.5 acres, held its ribbon-cutting and opens the following week. Baptist Health's Silverleaf campus, about 10 miles south, is adding an emergency department, and AdventHealth and Acadia Health have also opened facilities near I-95. The county's population has grown more than 25% since 2020.
What it may mean for the marketNew hospital and emergency capacity shortens drive times to emergency care and adds healthcare jobs in northern St. Johns County. The site is about 6 miles southeast of Clearwater Oaks.
Source: Jacksonville Today - July 2026Development
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.
What it may mean for the marketAdds 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 10 miles northwest of Clearwater Oaks, elsewhere in Duval County.
Source: Jacksonville Today - June 2026Infrastructure
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
What it may mean for the marketNew limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 11 miles southwest of Clearwater Oaks.
Source: Jax Daily Record - May 2026Retail & Dining
Grocery-anchored retail center proposed in Durbin Park
A grocery-anchored retail center was proposed at Durbin Park, the large mixed-use development near Interstate 95 and County Road 210 in northern St. Johns County, adding to the district's existing stores, restaurants, and Walmart-anchored core.
What it may mean for the marketAdded grocery and retail at Durbin Park deepens everyday conveniences in northern St. Johns County, an amenity factor that can support demand for surrounding communities. The site is about 7 miles southeast of Clearwater Oaks.
Source: Jax Daily Record - February 2026Retail & Dining
Durbin Park Walmart plans an expansion
The Walmart anchoring Durbin Park filed plans to expand in early 2026, reinforcing the retail core of the Interstate 95 and County Road 210 district in northern St. Johns County.
What it may mean for the marketInvestment in Durbin Park's retail anchor signals continued commercial strength in northern St. Johns County, which can reinforce the appeal of nearby residential areas. The site is about 7 miles southeast of Clearwater Oaks.
Source: Jax Daily Record
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.
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Frequently Asked Questions
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How far is Clearwater Oaks from downtown Jacksonville and the beach?
Should you buy in Clearwater Oaks?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 20, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32223)) |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2001 (70 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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