Clearwater Oaks
Homes for Sale in Jacksonville, FL
True comps, carrying-cost math, and listings before the portals.
Photo via realMLS
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.
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.
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, 110 homes are on the market and 31% are under contract — a fast-moving corner of Jacksonville.
Across Duval County, 3,938 homes are active and 1,658 pending (30% under contract).
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.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
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?
Get a no-obligation home value based on real comparable sales in Clearwater Oaks, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What schools serve Clearwater Oaks?
Who is the best real estate agent for Clearwater Oaks?
How do I find a top Jacksonville real estate agent who knows Clearwater Oaks?
Can Momentum Realty connect me with an agent for Clearwater Oaks?
Should you buy in Clearwater Oaks?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Clearwater Oaks with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: September 10, 2026) |
| Under-contract shares | realMLS records, as of 2026-09-08 |
| 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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