Covenant Cove in Jacksonville

Covenant Cove Homes for Sale in Jacksonville, FL

Established 1988 · Intracoastal West · ZIP 32224

A newer Mattamy single-family community off Beach Boulevard in Jacksonville, minutes from the beaches, the Town Center, and the Intracoastal West employers.

Newer Mattamy homesMinutes to the beachesNear Town Center and Mayo
Live Market Pulse
51/100
Momentum
Buyer-Leaning Market (limited data)
Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.
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Unlock Off-Market Covenant Cove

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
$467K
Median Price
4mo
Supply
64days
Avg DOM
Soft
Seller Leverage
$218/sf
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Covenant Cove reads as a value-priced, newer single-family community in the Intracoastal West, well placed off Beach Boulevard between the St. Johns Town Center and Jacksonville's beaches. Third-party sources describe about 172 homes built by Mattamy Homes between 2006 and 2011, ranging roughly 1,489 to 3,224 square feet, marketed as some of the better-priced newer homes in the area (frankelrealtygroup.com, 2026). The buy is the specific home: confirm the HOA, inspect the systems on a 2006-to-2011 build, verify the lot and flood zone, and comp it against the closest same-floor-plan sale."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Covenant Cove market snapshot (as of June 25, 2026): the median sale price is about $467K ($218 per sq ft), with homes averaging 64 days on market and 4.0 months of supply, a buyer-leaning market (limited data). Based on 6 recent closings in live realMLS data.

Covenant Cove is a newer single-family community in Jacksonville, Duval County, ZIP 32224, located off Beach Boulevard in the Intracoastal West, minutes from Jacksonville's beaches (frankelrealtygroup.com, 2026).

Third-party sources describe about 172 homes built by Mattamy Homes between 2006 and 2011, ranging roughly 1,489 to 3,224 square feet, so compare strictly by floor plan, size, and condition rather than by a community standard (frankelrealtygroup.com, 2026).

The location is the everyday strength: the community is close to Mayport, the St. Johns Town Center, the University of North Florida, and the Mayo Clinic, with the Atlantic beaches a short drive east.

As a newer community, value is read home-by-home on floor plan and condition, and the central diligence items are the home's roof and systems, the lot and survey, the FEMA flood zone, and the HOA dues and any CDD.

Best for

  • Buyers who want a newer single-family home minutes from the beaches and the Town Center
  • Value buyers who want a Mattamy floor plan at a competitive Intracoastal West price
  • Buyers who want proximity to UNF, Mayo, and the Mayport-area employers

Probably not for

  • Buyers who want a custom or estate home
  • Buyers who want a no-HOA neighborhood
  • Anyone unwilling to verify the HOA, any CDD, the lot, and the flood zone

How Covenant Cove is performing right now

51/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
4Months of supplytight
64Median days on marketdays
0 : 2Under contract vs for salestrong demand
6Sold in last 12 monthsliquidity
-8%Asking vs recent sold $/sqftroom to negotiate

Tight 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 Covenant Cove listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

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

Homes For Sale Right Now in Covenant Cove

Live MLS inventory for Covenant Cove. 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 and pending Covenant Cove listings as of 2026-06-25, priced high to low. Source: Data provided by realMLS.. Tap any home to ask about it.

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 takeaway

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

Atlantic and Neptune Beaches~12 to 18 min · east on Beach Boulevard
St. Johns Town Center~12 to 18 min · shopping and dining
University of North Florida~10 to 16 min · campus
Mayo Clinic Jacksonville~12 to 18 min · Intracoastal West
JT Butler Boulevard (SR-202)~6 to 12 min · to I-95
Mayport and the Intracoastal~12 to 18 min · north and east
Downtown Jacksonville~20 to 28 min · west

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 Covenant Cove Homes for Sale in Jacksonville, FL with Momentum Realty’s local guides.

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Carrying cost · the no-CDD edge

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

Typical CDD community~$2,500/yr
Covenant Cove (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

Covenant Cove 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 Covenant Cove address.

The takeaway

What is actually shaping value in Covenant Cove, sourced and dated. We do not publish rumor.

Recent Developments in Covenant Cove

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

Net OutlookBullishA newer single-family community trades on the floor plan and condition of the specific home, with the central Intracoastal West location near the beaches, the Town Center, UNF, and Mayo as the durable draw.

Central Intracoastal West location

BullishNotable impact
SignificanceRadius: Covenant Cove

A location off Beach Boulevard minutes from the beaches, the Town Center, UNF, and Mayo is a durable, location-specific draw that supports a value-priced newer community.

Duval County tax and HOA picture

NeutralNotable impact
SignificanceRadius: Covenant Cove

Carrying cost turns on the Duval County millage, the HOA dues, any CDD, and the FEMA flood zone for the specific parcel; all are verifiable and worth pulling before you write.

2006-to-2011 build condition

NeutralMinor impact
SignificanceRadius: Covenant Cove

On homes built from 2006 to 2011, the roof, HVAC, and updates vary; price each home on its condition rather than a community average.

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 Covenant Cove, 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 ↓

  1. 2024
    Taxes

    Duval County millage and the parcel tax bill

    The Duval County Property Appraiser publishes parcel values and the City of Jacksonville sets the millage; the actual lines on a Covenant Cove parcel, plus the HOA and any CDD, set the carrying cost. Why it matters: Pull the specific parcel's record and taxes from the Duval County Property Appraiser, the HOA dues, any CDD, and the FEMA flood determination before you write. Source

  2. 2026
    Community

    Community documented by a third-party source

    A third-party source describes Covenant Cove as a community of about 172 Mattamy homes built between 2006 and 2011, ranging roughly 1,489 to 3,224 square feet, off Beach Boulevard minutes from Jacksonville Beach. Why it matters: Community and home characteristics are reported by a third-party source; verify the specific home's condition, the HOA, the lot, and the flood zone before relying on it. Source

Development alerts for Covenant CoveGet a short monthly email when something new is approved, funded, or opens near Covenant Cove.

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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 Covenant Cove, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the HOA dues and any CDD. Verify the current HOA dues, what they cover, and whether any CDD applies for the specific parcel before you write.

2

Inspect the home and systems. On a 2006-to-2011 build, the roof, HVAC, and water heater are reaching service-age milestones; budget for them and price the home on its condition.

3

Verify the lot and survey. Confirm the lot lines, easements, and any preserve or water frontage for the specific property.

4

Pull the flood zone and the tax bill. Confirm the FEMA flood determination and the Duval County parcel taxes before you write.

5

Comp by floor plan. Price the home against the closest comparable Covenant Cove sale of the same Mattamy floor plan and condition.

Best Buy
An updated home on a clean, dry lot with a newer roof and HVAC, priced to its floor plan and true condition.
Biggest Risk
Deferred maintenance reaching service age on a 2006-to-2011 build, an unverified lot or flood issue, or overpaying versus same-plan comps.
Best Lot
The lot, any preserve or water frontage, and the home's condition are the value here; verify all three.
Smart Timing
A central, value-priced Intracoastal West community rewards a prepared buyer who has inspected and comped the specific home.
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

Covenant Cove is a newer single-family community in Jacksonville, Duval County, ZIP 32224, off Beach Boulevard in the Intracoastal West. Third-party sources describe about 172 homes built by Mattamy Homes between 2006 and 2011, ranging roughly 1,489 to 3,224 square feet, minutes from Jacksonville's beaches, Mayport, the St. Johns Town Center, the University of North Florida, and the Mayo Clinic (frankelrealtygroup.com, 2026). As a newer community, value is read home-by-home on floor plan and condition, and the central diligence items are the home's systems, the lot and survey, the FEMA flood zone, the Duval County parcel taxes, the HOA dues, and any CDD.

The takeaway

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

Entry: smaller floor plans
$392K to $465K

Smaller Mattamy floor plans and original-condition homes are the value entry at Covenant Cove. Confirm the systems, the lot, the HOA, and the flood zone before you write (third-party context, 2026, not MLS).

Lowest entry
Mid: updated mid-size homes
$465K to $489K

Updated mid-size homes with newer roof and HVAC are the core of the community. Price each on its floor plan and condition against the closest comparable sale.

Most inventory
High: largest or best-lot homes
$489K to $650K

The largest floor plans and homes on the best preserve or water lots sit at the top here. Price each on its own plan, condition, and lot, not a community average.

Strongest resale

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

$392K to $465K
Entry: smaller floor plans
Smaller Mattamy floor plans and original-condition homes are the value entry at Covenant Cove. Confirm the systems, the lot, the HOA, and the flood zone before you write (third-party context, 2026, not MLS).
$465K to $489K
Mid: updated mid-size homes
Updated mid-size homes with newer roof and HVAC are the core of the community. Price each on its floor plan and condition against the closest comparable sale.
$489K to $650K
High: largest or best-lot homes
The largest floor plans and homes on the best preserve or water lots sit at the top here. Price each on its own plan, condition, and lot, not a community average.

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

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
Jon Brooks, Momentum Realty
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.

No CDD on the tax billStrong
Central Intracoastal West locationStrong
Scarce golf and lake homesitesStrong
$30M club reinvestment to 2028Positive
All-resale 1990s conditionManage it

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

Jon Brooks, Momentum Realty
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 Covenant Cove

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.

Covenant Cove is newer, value-priced, Intracoastal West living minutes from the beaches and the Town Center. The deal is read home-by-home in the floor plan, the condition, the lot, and the HOA math, not a headline price.

Jon Brooks · Founder, Momentum Realty
7.3B+ · Buy Score
Resale Strength7.3/10
Renovation Risk6.0/10
Location Efficiency8.4/10
Long-Term Defensibility7.2/10
Carrying Cost Advantage6.6/10

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.

Why our read on Covenant Cove 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 Zestimate, 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 at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

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
  • The lot, any preserve or water frontage, and the home's condition are the value.
  • Confirm the HOA dues, any CDD, the flood zone, and the parcel taxes.
  • Comp against the closest same-floor-plan, same-condition sale.

In a newer community like Covenant Cove, value is driven by the specific home's floor plan, condition, and lot, plus any preserve or water frontage, not just the Mattamy spec. That means inspecting the roof, HVAC, and systems on a 2006-to-2011 build, confirming the lot lines, verifying the FEMA flood zone and the Duval County parcel taxes, and confirming the HOA dues and any CDD, then pricing the home against the closest comparable same-floor-plan, same-condition Intracoastal West sale, with the central location near the beaches, the Town Center, UNF, and Mayo as the durable advantage.

Covenant Cove in 15 seconds.

Best forBuyers who want a newer single-family home minutes from the beaches, the Town Center, UNF, and Mayo at a competitive price.
Strong onLocation and value: a central Intracoastal West position off Beach Boulevard with newer Mattamy floor plans.
WatchThe HOA dues and any CDD, the condition of 2006-to-2011 systems, the lot, and the FEMA flood zone.
Not forBuyers who want a custom or estate home or a no-HOA neighborhood.
The edgeA value-priced newer community in a central, amenity-rich corridor supports durable demand.

HOA, CDD & Fees

15-Second Take
  • It is an HOA community; confirm the dues and what they cover.
  • Confirm whether any CDD applies for the specific parcel.
  • Verify the lot, the systems, and the FEMA flood zone for the specific home.

Covenant Cove is an HOA community; confirm the current HOA dues, exactly what they cover, and whether any CDD applies for the specific parcel with the association before you offer. Confirm per parcel.

Confirm whether the HOA dues cover common areas, any amenities, and reserves, and whether any CDD bond rides on the tax bill for the specific home.

Confirm the community features and any shared amenities with the association; the core value is the newer homes and the central Intracoastal West location near the beaches and the Town Center.

The takeaway

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.

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 Covenant Cove, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Arlington, 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 Covenant Cove home worth?

Get a no-obligation home value based on real comparable sales in Covenant Cove 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 Covenant Cove on the map →

Real comps, not a Zestimate.

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.

$1,609/mo
Duval County typical true cost to own
$110/mo
Duval County typical home insurance
Check CDD
Confirm before you offer

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.

Covenant Cove Market Scorecard

Balanced

Covenant Cove is currently a balanced. About 4.0 months of supply, a median asking price of $549,950, and homes go under contract in about 66 days.

4.0
Months supply
$549,950
Median list
$466,760
Median sold
$201
Per sqft
66
Days on mkt
2/0/6
Active/Pend/Sold

Typical home value in the 32224 ZIP is $456,759, about 13.7% above 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.

Frequently Asked Questions

Where is Covenant Cove?
It is a newer single-family community in Jacksonville, ZIP 32224, off Beach Boulevard in the Intracoastal West, minutes from the beaches.
What kind of homes are in Covenant Cove?
Third-party sources describe about 172 Mattamy homes built between 2006 and 2011, ranging roughly 1,489 to 3,224 square feet. Compare by floor plan, size, and condition (frankelrealtygroup.com, 2026).
Who built Covenant Cove?
Third-party sources report the community was built by Mattamy Homes between 2006 and 2011 (frankelrealtygroup.com, 2026).
What do homes cost in Covenant Cove?
Pricing varies by floor plan, size, and condition; the community is marketed as competitively priced for the area (illustrative, not MLS). Confirm current pricing for a specific home.
Is there an HOA?
Yes, it is an HOA community; confirm the current dues and what they cover with the association before you write.
Is there a CDD?
Confirm whether any CDD applies for the specific parcel; verify per parcel before you write.
What is nearby?
Mayport, the St. Johns Town Center, the University of North Florida, the Mayo Clinic, JT Butler Boulevard, and the Atlantic beaches a short drive east.
What should I inspect on a 2006-to-2011 home?
Roof, HVAC, and the water heater are reaching service-age milestones; budget for them and price the home on its condition.
Is Covenant Cove in a flood zone?
Confirm the FEMA flood zone and insurance for the specific lot before you write.
How far is the beach?
The Atlantic beaches are roughly 12 to 18 minutes east on Beach Boulevard; confirm the exact drive for the specific home.
What schools serve Covenant Cove?
It is served by Duval County Public Schools, with assignments set by address. Confirm the current zoned schools with the district before you rely on it.
Should I use the listing agent to buy in Covenant Cove?
No. The listing agent works for the seller. On a home where floor plan, condition, the lot, and the HOA math move value, having your own representation, which costs you nothing as the buyer, is the highest-leverage decision you make.
Who is the best real estate agent for Covenant Cove?
The best agent for Covenant Cove 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 Covenant Cove.
How do I find a top Jacksonville real estate agent who knows Covenant Cove?
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 Covenant Cove and the wider Jacksonville area.
Can Momentum Realty connect me with an agent for Covenant Cove?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Covenant Cove purchase or sale - no call center and no pressure.
You want a newer single-family home minutes from the beaches and the Town CenterExcellent fit
You want a Mattamy floor plan at a competitive Intracoastal West priceExcellent fit
You will verify the HOA, any CDD, the lot, the flood zone, and the systemsExcellent fit
You want a custom or estate homeProbably not
You want a no-HOA neighborhoodProbably not
You are unwilling to inspect and comp the specific homeProbably not

Get the inside read on Covenant Cove

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

We respond personally, usually the same day.

You are all set.

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

Thinking about hiring an agent here? How to find the best real estate agent in Covenant Cove - what to look for, questions to ask, and your local expert.
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.

Zoom out before you decide: see the Duval County market guide or every community in the Neighborhood Finder.

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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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