Lake St. George South in Palm Harbor

Lake St. George South Homes for Sale in Palm Harbor, FL

Deed-restricted community · Palm Harbor · ZIP 34684

An established deed-restricted community of villas and single-family homes in Palm Harbor, also known as The Courts.

Established Palm Harbor communityLow HOA, no CDDWell-regarded Palm Harbor schools
Live Market Pulse
83/100
Momentum
Seller's Market
Homes here are established and vary by villa or single-family type, age, and updates, so the read is condition and the home, not a headline price.
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Unlock Off-Market Lake St. George South

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

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseStellar MLS
$246K
Median Price
2mo
Supply
51days
Avg DOM
Strong
Seller Leverage
$279/sf
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Lake St. George South, also known as The Courts of Lake St. George, is an established deed-restricted community in unincorporated Palm Harbor, built on former citrus groves by the Schickedanz builders. Its HOA history describes about 355 homes, roughly seventy percent duplex-style villas and thirty percent free-standing single-family homes (source: Lake St. George South HOA, History). The draw is a low HOA, a quiet setting, and the well-regarded Palm Harbor school area; the read is the home itself, because villa and single-family stock differs in age, layout, and updates. There is no Community Development District here, so the true monthly number turns on the house and the modest HOA, not added district carrying costs."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Lake St. George South market snapshot (as of June 25, 2026): the median sale price is about $246K ($279 per sq ft), with homes averaging 51 days on market and 2.0 months of supply, a seller's market. Based on 24 recent closings in live Stellar MLS data.

Lake St. George South is an established deed-restricted community in unincorporated northern Pinellas County, in the Palm Harbor area (ZIP 34684). It is formally The Lake St. George South Homeowners Association, Inc., and is also known simply as The Courts (source: Lake St. George South HOA).

The community sits just southwest of Lake St. George and was developed on land that was originally about 43 acres of orange and grapefruit groves, built by the Schickedanz builders, who formed the association to uphold the deed restrictions. Its HOA history describes about 355 homes, roughly seventy percent duplex-style villas and thirty percent free-standing single-family homes (source: Lake St. George South HOA, History).

This is an established neighborhood, not a master-planned community, so there is no Community Development District. The HOA is mandatory and reported to be modest; confirm the current dues and what they cover for a specific home and product type per the association.

For buyers who want an established, lower-maintenance home in a well-regarded Palm Harbor school area with a low HOA, Lake St. George South is a strong option. The work is reading the specific home, villa or single-family, on its age, layout, and updates, and confirming the HOA before you fall for a list price.

Best for

  • Buyers who want an established, lower-maintenance Palm Harbor home
  • Households who value a low HOA and no district assessment
  • Buyers drawn to the well-regarded Palm Harbor school area
  • Buyers choosing between a villa and a single-family home

Probably not for

  • Buyers who want brand-new construction and modern floor plans
  • Those who want resort-style amenities and a gated entrance
  • Buyers who need a short commute to downtown Tampa
  • Anyone seeking large, newer single-family lots

How Lake St. George South is performing right now

83/100
momentum
Seller's Market
Seller's marketBalancedBuyer's market
2Months of supplytight
38Median days on marketdays
3 : 4Under contract vs for salestrong demand
24Sold in last 12 monthsliquidity
+16%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 Stellar MLS, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Lake St. George South 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 Lake St. George South buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Lake St. George South

Live MLS inventory for Lake St. George South. 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 Lake St. George South listings as of 2026-06-25, priced high to low. Listings courtesy of Stellar MLS as distributed by MLS GRID.. Tap any home to ask about it.

Listing locations from Stellar MLS; 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

Palm Harbor trades a longer Tampa commute for the Gulf beaches, a quiet setting, and the well-regarded Palm Harbor school area.

Downtown Palm Harbor~10 min · ~3 miles
Honeymoon Island State Park~15 min · ~7 miles
Tampa Int'l Airport~30-35 min · ~22 miles
Clearwater Beach~25-30 min · ~15 miles
Downtown Tampa~35-40 min · ~25 miles
St. Petersburg~35-40 min · ~25 miles

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

Nearby Communities

Explore more neighborhoods near Lake St with Momentum Realty’s local guides.

LVLake ValenciaPalm Harbor Homes for SalePalm Harbor, FL · 0.2 miLSLake St George Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.3 miWCWaterford Crossing Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.3 miRORustic OaksPalm Harbor Homes for SalePalm Harbor, FL · 0.4 miHGHidden Grove,Palm Harbor Homes for SalePalm Harbor, FL · 0.4 miCHCountrysidePalms Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.5 miPMPipers Meadow Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.6 miQAQueen Anne Gate Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.8 miPRPine Ridge atPalm Harbor Homes for SalePalm Harbor, FL · 0.8 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
Lake St. George South (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
  • Pinellas 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

Lake St. George South is served by Pinellas 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.

Elementary

Sutherland Elementary School

Middle

Palm Harbor Middle School

High

Palm Harbor University High School

Buying with schools in mind? We can confirm the exact zoned schools for any Lake St. George South address.

The takeaway

What actually shapes value in Lake St. George South: an established deed-restricted community with a low HOA and no CDD, a mix of villas and single-family homes, and a well-regarded Palm Harbor school area. Each item is sourced.

Recent Developments in Lake St. George South

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

Net OutlookBullishSteady demand from the Palm Harbor school area and the low carrying cost supports values; established-home condition and product type are the main caveats for resale.

Established deed-restricted community

Ongoing
BullishMajor impact
SignificanceRadius: Community

Mandatory deed restrictions and architectural standards help maintain consistency and protect value.

Low HOA and no Community Development District

Ongoing
BullishNotable impact
SignificanceRadius: Community

A modest HOA and no district assessment keep the carrying cost low; confirm dues per parcel.

Well-regarded Palm Harbor school area

Ongoing
BullishMajor impact
SignificanceRadius: Area

The Palm Harbor school area is a consistent demand driver; confirm zoning by address.

Mix of villas and single-family homes

Ongoing
NeutralNotable impact
SignificanceRadius: Community

Roughly seventy percent villas and thirty percent single-family means product type shapes price and maintenance.

Proximity to the Gulf beaches

Ongoing
BullishNotable impact
SignificanceRadius: Area

Quick reach to Honeymoon Island and the Gulf beaches adds lifestyle value that supports demand.

Longer commute to downtown Tampa

Ongoing
BearishMinor impact
SignificanceRadius: Area

The Palm Harbor location trades a longer Tampa commute for beaches, schools, and a quiet setting.

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 Lake St. George South, 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. January 2025
    Community

    Lake St. George South HOA documents its history and home mix

    The Lake St. George South HOA, known as The Courts, describes a community of about 355 homes, roughly seventy percent duplex-style villas and thirty percent single-family homes, built on former citrus groves by the Schickedanz builders. Why it matters: The documented home mix and deed restrictions help buyers read product type and the consistent character that supports value. Source

  2. June 2025
    Community

    Lake St. George South confirms mandatory deed-restricted association

    The association confirms it is a mandatory, not-for-profit, deed-restricted homeowners association chartered by the State of Florida, with architectural oversight for the community. Why it matters: A mandatory deed-restricted structure supports consistency and is a real consideration buyers should confirm in the governing documents. Source

Development alerts for Lake St. George SouthGet a short monthly email when something new is approved, funded, or opens near Lake St. George South.

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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 Lake St. George South, this is the order of operations we would run, and the one we run for our clients.

1

Choose villa or single-family first. The community mixes duplex-style villas and free-standing homes; they read differently on maintenance and value.

2

Confirm the HOA in writing. The HOA is mandatory and reported to be modest; confirm current dues and what they cover per the association.

3

Read the home's age and updates. Established stock rewards a careful look at roof, systems, and any renovations.

4

Check the Palm Harbor school zoning by address. The school area is a key draw; assignments are by parcel.

5

Map the real commute. Palm Harbor is convenient to the beaches and the airport but confirm your true drive to Tampa.

Best Buy
An updated villa or single-family home on a quiet interior street, priced to real comps
Biggest Risk
Overlooking deferred maintenance or roof and systems age on an established home
Best Lot
Quiet interior or pond-adjacent lots over busier perimeter streets
Smart Timing
Weigh a renovated home against a project priced to its condition
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

Lake St. George South, formally The Lake St. George South Homeowners Association, Inc. and also known as The Courts, is an established deed-restricted community in unincorporated Palm Harbor (ZIP 34684), just southwest of Lake St. George. It was built on land that was originally about 43 acres of citrus groves by the Schickedanz builders, who formed the mandatory association to uphold the deed restrictions. The HOA history describes about 355 homes, roughly seventy percent duplex-style villas and thirty percent free-standing single-family homes (source: Lake St. George South HOA, History). There is no Community Development District. The HOA is mandatory and reported to be modest; confirm current dues and what they cover per parcel and product type. The community is in the well-regarded Palm Harbor school area.

The takeaway

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

The Entry Home
$198K to $245K

Duplex-style villas or homes needing updates, the value way into the community and its low HOA.

Lowest entry
The Core Home
$245K to $300K

Updated villas and mid-size single-family homes, the heart of the Lake St. George South resale market.

Most inventory
The Top
$300K to $485K

The larger free-standing single-family homes, updated and on quiet or pond-adjacent lots, the strongest buys here.

Strongest resale

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

$198K to $245K
The Entry Home
Duplex-style villas or homes needing updates, the value way into the community and its low HOA.
$245K to $300K
The Core Home
Updated villas and mid-size single-family homes, the heart of the Lake St. George South resale market.
$300K to $485K
The Top
The larger free-standing single-family homes, updated and on quiet or pond-adjacent lots, the strongest buys here.

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 Palm Harbor locationStrong
Scarce, established homesitesStrong
Established, in-demand locationPositive
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 Lake St. George South

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.

The Palm Harbor schools and the low HOA are priced into every listing. The deal is won or lost on villa versus single-family and an honest read of the home.

Jon Brooks · Founder, Momentum Realty
8.3B+ · Buy Score
Resale Strength8.4/10
Renovation Risk4.5/10
Location Efficiency8.2/10
Long-Term Defensibility8.2/10
Carrying Cost Advantage8.6/10

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 Lake St. George South is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS 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 Stellar MLS 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 Stellar MLS; for orientation, not an appraisal.

15-Second Take
  • Golf, lake, and preserve lots hold value best
  • Interior lots are where buyers overpay
  • The lot cannot be renovated, the house can
  • Premium homesites resell faster
  • ~3% asking premium for premium lots today

In a built-out club community, the lot is the resale insurance

The houses can be renovated, but the lot and view cannot. Golf frontage, lakefront, and preserve lots consistently command higher premiums and resell faster than interior lots backing to another home. The premium you pay for a great homesite is the discount you avoid when you sell.

The mistake is paying an estate price for a base interior lot. We help buyers spot which homesites carry real, durable premiums and which are dressed-up interiors, so your money lands where the market will give it back.

Strongest resaleGolf frontage and lakefront homesites at Lake St. George South

Golf & lakefront lots

Open views over the course or the 26 community lakes. The scarcest, most in-demand homesites; they command the highest premiums and resell fastest.

Strong resalePreserve-backing homesites at Lake St. George South

Preserve lots

Backing to protected preserve means privacy with no rear neighbor. A consistent favorite that holds value well above a standard interior lot.

Moderate resaleCul-de-sac and larger interior homesites at Lake St. George South

Cul-de-sac & larger lots

Less traffic, more yard, and an easy walk to the club for some streets. A real but smaller premium that depends on the street and parcel size.

Value tierStandard interior homesites at Lake St. George South

Standard interior lots

The most affordable way through the gates, and the best renovation value. Just do not pay a golf or lake price for one, this is where buyers most often overpay.

Relative resale strength by lot and view, illustrative of how Lake St. George South homesites trade. The exact premium depends on the specific home, the view, and the street.

Lake St. George South in 15 seconds.

Best forBuyers who want an established, lower-maintenance home in a well-regarded Palm Harbor school area.
Biggest advantageA low HOA and no CDD, with a quiet setting and a choice of villa or single-family.
Biggest riskEstablished-home condition, roof, systems, and updates vary by home and product type.
Sweet spotAn updated villa or single-family home on a quiet lot, matched to comps.
Avoid ifYou want new construction, resort amenities, or a short downtown Tampa commute.

HOA, CDD & Fees

15-Second Take
  • Mandatory deed-restricted HOA
  • No Community Development District
  • HOA reported to be modest, confirm per parcel
  • No golf or club dues
  • Confirm villa versus single-family coverage

Lake St. George South has a mandatory deed-restricted HOA and no Community Development District. The HOA is reported to be modest; confirm the current dues and what they cover for a specific home and product type per the association.

The HOA supports the deed restrictions, architectural standards, and common-area upkeep. Confirm exactly what is included for villas versus single-family homes per the association documents.

No golf or country club membership. This is a deed-restricted residential community without resort-style amenities.

The takeaway

In an established community, buyers weigh villa against single-family and updated against original, so condition and product type set your number.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market 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 our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Lake St. George South, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Lake St. George, 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 Lake St. George South home worth?

Get a no-obligation home value based on real comparable sales in Lake St. George South 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 Lake St. George South on the map →
Or get your Lake St. George South home value & selling guide →

Real comps, not a Zestimate.
How much local inventory is already under contract

51% of homes for sale in ZIP 34684 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-06-25).

Lake St George South Market Scorecard

Strong seller's market

Lake St George South is currently a strong seller's market. About 1.9 months of supply, a median asking price of $319,250, and homes go under contract in about 38 days.

1.9
Months supply
$319,250
Median list
$246,000
Median sold
$323
Per sqft
38
Days on mkt
4/3/25
Active/Pend/Sold

Typical home value in the 34684 ZIP is $323,720, about 3.6% below the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, distributed by MLS GRID, 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 Lake St. George South located?
Lake St. George South is in unincorporated Palm Harbor, in northern Pinellas County, Florida (ZIP 34684), just southwest of Lake St. George.
What is The Courts?
The Courts is the common name for The Lake St. George South Homeowners Association, Inc. The community is deed-restricted and mandatory-membership (source: Lake St. George South HOA).
How many homes are in Lake St. George South?
The HOA history describes about 355 homes, roughly seventy percent duplex-style villas and thirty percent free-standing single-family homes (source: Lake St. George South HOA, History).
Who built Lake St. George South?
It was built on land that was originally about 43 acres of citrus groves by the Schickedanz builders, who formed the association to uphold the deed restrictions (source: Lake St. George South HOA, History).
Does Lake St. George South have a CDD?
No. It is an established deed-restricted community, not a master-planned community, so there is no Community Development District. There is a mandatory HOA.
What are the HOA fees in Lake St. George South?
The HOA is mandatory and reported to be modest. Confirm the current dues and exactly what they cover for a specific home and product type per the association before you offer.
Are the homes villas or single-family?
Both. The community is roughly seventy percent duplex-style villas and thirty percent free-standing single-family homes, so decide which product type fits you first (source: Lake St. George South HOA, History).
Does Lake St. George South have amenities?
It is a deed-restricted residential community without resort-style amenities or a golf course. Confirm any shared common areas with the association.
What schools serve Lake St. George South?
The community is in the well-regarded Palm Harbor area, served by Pinellas County Schools. Assignment is by address, so confirm the current zoned schools for a specific home with the district.
How far is Lake St. George South from the beaches and the airport?
Palm Harbor is convenient to the Gulf beaches and Tampa International Airport. We will map your real commute at your real departure time.
What is the minimum lease term in Lake St. George South?
This is a deed-restricted community; confirm the current HOA leasing rules and any minimum lease term in the governing documents before buying as a rental.
Is Lake St. George South a good investment?
The low HOA, established setting, and Palm Harbor school area support durable demand, but as with any home, condition, product type, and the price you pay decide the outcome. We give you the honest trade-offs.
How do I see homes for sale in Lake St. George South?
Tell us your budget and timeline and we will send live Lake St. George South listings, true comparable sales, and the HOA details on any home, before the portals.
Buyers who want an established, lower-maintenance Palm Harbor homeExcellent fit
Households who value a low HOA and no district assessmentExcellent fit
Buyers drawn to the well-regarded Palm Harbor school areaExcellent fit
Buyers choosing between a villa and a single-family homeExcellent fit
Buyers who will read condition and confirm the HOAExcellent fit
Buyers who want brand-new construction and modern plansProbably not
Those who want resort-style amenities and a gated entranceProbably not
Buyers who need a short downtown Tampa commuteProbably not
Anyone seeking large, newer single-family lotsProbably not

Get the inside read on Lake St. George South

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Lake St. George South 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 Lake St. George South specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Lake St. George South — what to look for, questions to ask, and your local expert.
Stellar MLS logoMLS GRID logo
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. Listings courtesy of Stellar MLS as distributed by MLS GRID. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing; deemed reliable but not guaranteed by MLS GRID.

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