Clearwater
Oaks Homes for Sale in Jacksonville, FL

Established Loretto resale market · Jacksonville · ZIP 32223

An established resale community with a community pool in the Loretto section of Jacksonville's Mandarin district, between Old St. Augustine Road and San Jose Boulevard, priced for buyers who want a settled neighborhood with an HOA amenity.

Established resaleLoretto, Duval CountyCommunity pool

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

This is a settled resale neighborhood, not a new-construction release. Inventory is individual and limited, so condition, updates, and lot drive value more than any single headline number. Verify specifics by address.

Free · No obligation

Unlock Off-Market Loretto

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulserealMLS

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Median Price

0mo

Supply

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Avg DOM

Soft

Seller Leverage

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Median $/Sqft

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1-Yr Price Change

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Distress

Jon's Current Read

"Clearwater Oaks is a resale play in the Loretto section of southern Jacksonville's Mandarin district, off Old St. Augustine Road between San Jose Boulevard and the Loretto Road corridor. The community carries a homeowners association and is marketed around a community swimming pool, which sets it apart from area subdivisions with no shared amenity. Because this is a built-out resale neighborhood rather than a builder market, the value driver is the individual home, its condition, updates, and lot, not a phase release or price sheet. Confirm year built, current HOA dues, and school zoning on the specific parcel before you underwrite it."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Clearwater Oaks is an established, single-family resale community in the Loretto area of southern Jacksonville, within the broader Mandarin district of Duval County. It sits between Old St. Augustine Road and San Jose Boulevard, reached from Old St. Augustine Road by way of Loretto Road. Homes here are generally described as midsize, with recorded construction mostly dating to the early 1990s, though each parcel should be confirmed for exact year built, size, and condition.

The community carries a homeowners association, and marketing and resident listings for the neighborhood point to a community swimming pool as the shared amenity. Because this is a resale community rather than new construction, value here turns on the individual home rather than a builder's release schedule. Confirm the current HOA dues and exactly what they cover directly with the association or a title search before you rely on any general description.

The bigger picture is location. Loretto sits within Jacksonville's established Mandarin district along the St. Johns River's east bank, a longer, mostly arterial-road drive from downtown Jacksonville than the urban core neighborhoods. Confirm actual commute times and school zoning for the specific address before you rely on the general area description.

Quick Match

Who Loretto is best for.

Best for

Buyers who want an established resale home in Jacksonville's Loretto and Mandarin area with a community pool
Buyers comfortable verifying an individual home's age, condition, and systems parcel by parcel
Buyers who value a settled, HOA-governed community over a new-construction release

Probably not for

Buyers who need new construction with a builder warranty and modern systems
Buyers who want a gated community or a club-level amenity package beyond a community pool
Buyers unwilling to verify HOA dues, year built, and school zoning parcel by parcel

Market Pulse

How Loretto is performing right now

50/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

0Months of supplytight

n/aMedian days on marketdays

0 : 0Under contract vs for salestrong demand

0Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+0%Asking vs recent sold $/sqftroom to negotiate

Live market metrics for Clearwater Oaks update as realMLS listings and sales post. Figures shown reflect current recorded activity; confirm specifics by address.

Live from realMLS, as of July 10, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Loretto listings and the trailing twelve months of closed sales.

Where prices are goingn/a2026 YTD

Median sale price by year. Tap a label to compare Mandarin Glen or Jacksonville. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square footn/a2026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Clearwater Oaks buys, holds, and resells. See the five factors.

Interactive Map

Loretto on the map.

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.

Nearby & Commute

How far is everything?

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Drive times from Loretto. They are approximate and vary with traffic and your exact start point.

Downtown Jacksonville25 to 30 min · approximate

Jacksonville International Airport (JAX)40 min · approximate

San Jose Boulevard shopping and dining5 to 10 min · approximate

Julington Creek area10 to 15 min · approximate

St. Augustine35 to 45 min · approximate

Jacksonville beaches45 to 55 min · approximate

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near ClearwaterOaks Homes for Sale in Jacksonville, FL with Momentum Realty’s local guides.

Loretto Homes for Sale in Jacksonville, FLJacksonville, FL · adjacent BHBurnettPark Homes for Sale in Jacksonville, FLJacksonville, FL · 0.2 mi CHCameronCrossing Homes for Sale in Jacksonville, FLJacksonville, FL · 0.3 mi CHColonialPines Homes for Sale in Jacksonville, FLJacksonville, FL · 0.3 mi CSThe Cove at Southwood Homes for Sale in Jacksonville, FLJacksonville, FL · 0.4 mi WHWindridge Homes for Sale in Jacksonville, FLJacksonville, FL · 0.4 mi

DerrisCreek Homes for Sale in Jacksonville, FLJacksonville, FL · 0.5 mi

Huntington Forest Homes for Sale in Jacksonville, FLJacksonville, FL · 0.5 mi LHLongview Homes for Sale in Jacksonville, FLJacksonville, FL · 0.5 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Loretto (no CDD)$0/yr

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.

Schools

15-Second Take

Duval County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Loretto 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.

High

Mandarin High School (Duval County Public Schools); verify by address

Middle

Mandarin Middle School (verify by address)

Elementary

Loretto Elementary School or your address-zoned elementary school (verify by address)

Buying with schools in mind? We can confirm the exact zoned schools for any Loretto address.

The takeaway

The story here is stability. Clearwater Oaks sits inside Jacksonville's established Loretto and Mandarin area, a long-settled part of southern Duval County, so the near-term picture is steady demand for a resale home with a community pool rather than new-construction competition.

Recent Developments in Clearwater Oaks

Development Intelligence

Our read on what is being built around Loretto, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishNet stable for an established Loretto resale community, with value tied to individual home condition, updates, and lot. Insurance costs and general Florida market conditions are worth watching regardless of the specific home.

Established resale market, limited new-construction competition

Evergreen

BullishNotable impact

SignificanceRadius: Community

Clearwater Oaks is a built-out resale community, so there is no builder selling competing new phases inside the neighborhood. Value turns on the condition and updates of individual homes rather than new releases nearby.

Mandarin and Loretto area demand

2026

BullishNotable impact

SignificanceRadius: District

The broader Mandarin district, including the Loretto area along the St. Johns River, remains one of southern Jacksonville's established, in-demand areas, drawing steady interest from buyers seeking settled neighborhoods with everyday amenities nearby.

Florida homeowners insurance costs

2026

NeutralNotable impact

SignificanceRadius: Region

Florida homeowners insurance remains a real, address-specific cost, particularly for homes built in the early 1990s. Get a bindable quote for the specific home's age, roof, and construction before you underwrite a purchase.

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 Clearwater Oaks, 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 ↓

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.

The Strategy

The Loretto buying strategy.

If we were buying in Loretto, this is the order of operations we would run, and the one we run for our clients.

Pull the specific parcel's record with the Duval County Property Appraiser to confirm year built, square footage, and any recorded deed restrictions.

Contact the Clearwater Oaks homeowners association to get the current dues amount, what they cover, and confirm the community pool's status and rules.

Get a thorough inspection focused on roof age, plumbing, electrical, and HVAC, since these can vary across a home built in the early 1990s.

Verify the exact zoned elementary, middle, and high schools by the home's address with Duval County Public Schools, since attendance zones change.

Get a bindable homeowners insurance quote for the specific home before you make an offer, given Florida's insurance market conditions.

The Quick Decision

Best Buy

A well-maintained, updated home on a solid lot, priced in line with what is genuinely comparable nearby.

Biggest Risk

Assuming HOA dues, year built, or school zoning from the general Loretto area rather than verifying the specific parcel.

Best Lot

Prioritize a usable, well-positioned lot; verify any deed restrictions or HOA rules on the parcel.

Smart Timing

Resale driven. Inventory is individual and limited, so move when the right home condition and price appear.

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

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.

Community Details at a Glance

The Homes

Type

Established single-family resale

Size range

Roughly 1,940 to 2,900-plus sq ft; verify exact square footage by parcel

Era

Built mostly in the early 1990s; confirm year built on the Duval County Property Appraiser

Construction

Single-story and two-story frame homes typical of the Mandarin and Loretto area

Costs & Fees

HOA

Yes, a homeowners association is on record for this community; confirm current dues

CDD

None identified; confirm on the parcel tax record

Property use

Primary residences

Amenities

Marketed

Community swimming pool

Status

Confirm current pool hours and any other shared amenities with the HOA

Location

Area

Loretto and Mandarin, southern Jacksonville, Duval County

Downtown Jacksonville

About 25 to 30 min (approximate)

Airport (JAX)

About 40 min (approximate)

Loretto Homes For Sale

What your money buys in Loretto.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Loretto today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Entry

At the entry tier you are generally looking at original-condition homes that have not been updated, where the value is in the lot and the renovation upside. Expect to budget for roof, systems, and cosmetic updates.

Lowest entry

The Core

In the core of the market you find updated single-story and two-story homes with refreshed kitchens, baths, and mechanicals on solid lots. This is the typical move-in resale in the community.

Most inventory

The Top

At the top are the larger or more fully renovated homes on the best-positioned lots. Confirm the exact condition and square footage on the specific parcel before you rely on it.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

The Entry

The Core

In the core of the market you find updated single-story and two-story homes with refreshed kitchens, baths, and mechanicals on solid lots. This is the typical move-in resale in the community.

The Top

At the top are the larger or more fully renovated homes on the best-positioned lots. Confirm the exact condition and square footage on the specific parcel before you rely on it.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Loretto, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Loretto is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

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.

Operator Note

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.

Resale Strength Scorecard

How well Loretto holds value.

Our read on the factors that protect resale here, and the one to manage.

Home conditionVaries by home

HOA dues / rulesConfirm with association

Renovation upsideModerate on early-1990s stock

Lot and locationEstablished Loretto/Mandarin area

Insurance cost exposureVerify by home

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

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.

5 Mistakes Buyers Make in Loretto

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The 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.

Misjudging the renovation math

A 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.

Overpaying for an interior lot

A 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.

Underbudgeting the carrying costs

Two 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.

Skipping the systems check

An 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.

“

The value here is not a builder price sheet, it is the individual home: its condition, its updates, and its lot.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

6.5C+ · Buy Score

Resale Strength6.3/10

Renovation Risk5.8/10

Location Efficiency6.8/10

Long-Term Defensibility6.1/10

Carrying Cost Advantage6.3/10

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.

Momentum Housing Intelligence

Why our read on Loretto is different.

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 automated estimate, no guesswork.

Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

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.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

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.

15-Second Take

Lots are generally midsize, typical of established Loretto and Mandarin-area subdivisions.
The lot and home condition are the durable differentiators in a built-out resale market.
Verify any claimed lot size or boundary on the parcel and by survey.
Interior lots away from busier roads tend to hold appeal.
Confirm any deed restrictions or HOA rules tied to the specific lot.

In a built-out resale community the building stock is established for every home, so the durable difference between two homes is the lot and its condition. Well-positioned, well-maintained lots hold value best, while homes on busier roads or with deferred maintenance tend to lag. Because this is a resale market rather than a builder release, treat the lot and the home's condition as the core of your value math, and confirm any deed restrictions or HOA dues on the specific parcel rather than assuming it from the area.

The 15-Second Verdict

Loretto in 15 seconds.

Best forBuyers who want an established resale home in Jacksonville's Loretto and Mandarin area with a community pool.

Biggest advantageA settled, HOA-governed community with a shared swimming pool inside the Mandarin district.

Biggest riskAssuming HOA dues, condition, or school zoning without verifying the specific parcel.

Sweet spotA well-maintained home on a solid lot, priced against genuinely comparable sales.

Avoid ifYou need new construction or a gated, club-level amenity package.

HOA, CDD & Fees

15-Second Take

HOA yes; get the current dues amount and coverage in writing from the association.
No CDD was identified, but confirm it on the parcel tax record.
The shared amenity marketed for the community is a swimming pool.
Homes date mostly to the early 1990s; verify age and condition by parcel.
Get a Florida homeowners insurance quote for the specific home before buying.

Clearwater Oaks has a homeowners association, which is on record with area HOA directories. A current dues amount is not published here; confirm the exact figure and what it covers directly with the association or its management company before you buy.

Confirm in writing, but HOA dues in a community like this generally fund common-area upkeep and the shared amenity, marketed here as a community swimming pool.

There is no golf course or private country club here; the shared amenity is the community pool.

Run Your Numbers

Tools for a Loretto buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxDuval County millage and the homestead picture.Rent vs buyThe breakeven on owning in Loretto.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not an automated estimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Loretto

Thinking of selling a Clearwater Oaks home?

Selling an established Loretto-area home takes a real strategy, not an automated estimate. We will show you the honest math on how condition, updates, and lot position your home against what is actually selling nearby.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

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.

In Loretto, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Mandarin Glen, 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.

What is your Loretto home worth?

Get a no-obligation home value based on real comparable sales in Loretto 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 Clearwater Oaks on the map →

Real comps, not an automated estimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Clearwater Oaks 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.

The real cost & risk here

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.

$1,614/mo

Duval County typical true cost to own

$110/mo

Duval County typical home insurance

Check CDD

Confirm 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.

Live market metrics for Clearwater Oaks are being compiled from realMLS activity and will appear here as listings and sales post. For current county-level figures, see the market data links below.

Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Is Clearwater Oaks a new-construction community?

No. It is an established resale community in the Loretto area of Jacksonville's Mandarin district. Recorded homes date mostly to the early 1990s, and each should be judged on its own condition and updates.

What kind of homes are in Clearwater Oaks?

Single-story and two-story single-family homes are typical of the community, generally in the midsize range. Verify exact size and year built by parcel.

Is there an HOA?

Yes. Clearwater Oaks has a homeowners association on record with area HOA directories. Confirm the current dues amount and what they cover directly with the association before you buy.

Is there a CDD bond on the taxes?

No Community Development District was identified for this community. Confirm CDD status on the specific parcel's tax record with the Duval County Property Appraiser before you rely on it.

What amenities does the community have?

The community is marketed around a shared swimming pool. Confirm current pool status, hours, and any other shared amenities with the homeowners association.

Is Clearwater Oaks gated or age-restricted?

There is no verified information that the community is gated, and it is not marketed as age-restricted or 55 plus.

What schools serve the community?

It is in Duval County Public Schools, generally zoned toward Mandarin High School and Mandarin Middle School for this ZIP, with the elementary school varying by exact address. Verify all three by the home's specific address with Duval County Public Schools.

How is the commute to downtown Jacksonville?

Loretto sits in southern Jacksonville, roughly 25 to 30 minutes from downtown depending on the exact location and traffic. Other drive times on this page are approximate estimates.

Where exactly is Clearwater Oaks located?

The community sits between Old St. Augustine Road and San Jose Boulevard in the Loretto section of southern Jacksonville, reached from Old St. Augustine Road by way of Loretto Road.

What is the biggest risk of buying here?

Assuming HOA dues, year built, or school zoning from the general Loretto area description rather than verifying the specific parcel. Both are resolved with a title search, property appraiser record, and school district confirmation.

Should I get my own agent for a resale purchase here?

Yes. An experienced agent helps you judge condition, updates, and lot against genuinely comparable sales in the Loretto and Mandarin area and represents your interests in the negotiation.

How current is the market data on this page?

This page will fill in with live realMLS data as sales in the community accrue. Until then, treat market figures as thin, and always confirm price and condition against genuinely comparable homes before you make an offer.

How far is San Jose Boulevard or Julington Creek?

San Jose Boulevard's shopping and dining are roughly 5 to 10 minutes away, and the Julington Creek area is roughly 10 to 15 minutes away. Confirm exact distance and access from the specific address.

What should I check before buying a home here?

Focus on roof age, plumbing, electrical, and HVAC, since these can vary across a home built in the early 1990s. Get a thorough inspection and budget for updates as needed.

Does every home in the community have the same layout?

No. Recorded homes vary in size, generally from smaller plans up to larger ones with more bedrooms. Confirm the exact floor plan, bedroom count, and square footage on the specific parcel.

Who is the best real estate agent for Clearwater Oaks?

The best agent for Clearwater Oaks is one who actively works Jacksonville and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Clearwater Oaks.

How do I find a top Jacksonville real estate agent who knows Clearwater Oaks?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Clearwater Oaks and the wider Jacksonville area.

Can Momentum Realty connect me with an agent for Clearwater Oaks?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Clearwater Oaks purchase or sale - no call center and no pressure.

The Verdict

Should you buy in Loretto?

An honest fit check. We will tell you when it is not your community.

You want an established resale home in Jacksonville's Loretto and Mandarin area with a community pool.Excellent fit

You are comfortable verifying HOA dues, condition, and school zoning parcel by parcel.Excellent fit

You value a settled, HOA-governed community over a new-construction release.Excellent fit

You will do the homework on insurance and the age of roof and systems.Excellent fit

You need new construction with a builder warranty and modern systems.Probably not

You want a gated community or a club-level amenity package beyond a community pool.Probably not

You cannot budget for updates on an early-1990s home or verify its condition carefully.Probably not

You need a large pool of identical new homes for easy price comparison.Probably not

Get the inside read on Loretto

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Loretto 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.

You are all set.

A Momentum Realty Loretto specialist will reach out personally, usually the same day.

Median sale price in Clearwater Oaks, Florida by year (2012 to 2026). Source: Momentum Realty.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.

ClearwaterOaks Homes for Sale in Jacksonville, FL

The 60-Second Overview

Who Loretto is best for.

Best for

Probably not for

How Loretto is performing right now

Loretto on the map.

How far is everything?

Nearby Communities

Schools

Mandarin High School (Duval County Public Schools); verify by address

Mandarin Middle School (verify by address)

Loretto Elementary School or your address-zoned elementary school (verify by address)

Recent Developments in Clearwater Oaks

Established resale market, limited new-construction competition

Mandarin and Loretto area demand

Florida homeowners insurance costs

The Loretto buying strategy.

The full read, only if you want it.

The Homes

Costs & Fees

Amenities

Location

What your money buys in Loretto.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Loretto holds value.

5 Mistakes Buyers Make in Loretto

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Loretto is different.

Which Lots & Views Hold Value Best

Loretto in 15 seconds.

HOA, CDD & Fees

Tools for a Loretto buy.

Thinking of selling a Clearwater Oaks home?

In Loretto, condition and view decide your number

What is your Loretto home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Frequently Asked Questions

Should you buy in Loretto?

Get the inside read on Loretto

You are all set.

Need to sell fast in Duval County?

You just read the data. Now see what your home is worth.

Clearwater
Oaks Homes for Sale in Jacksonville, FL