Aerial view of Loretto

Loretto
Homes for Sale in Jacksonville, FL

All 4,026 homes for sale in Jacksonville, FL · median $299,900 · 83 homes for sale in 32223 · Duval County homes for sale

Community in Jacksonville · Duval County · ZIP 32223
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True comps, carrying-cost math, and listings before the portals.

Built fromLive realMLS data20 years of closingsUpdated twice daily

As of October 2026, the MLS records 13 closed sales in Loretto in Jacksonville, FL since 2006, the most recent in February 2025. Across Jacksonville as a whole, 8,268 homes closed in the last 12 months at a median of $311,134, 43 median days on market, with 2,422 homes for sale today. At that median and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $5,560 ($4,820 with the full homestead exemption).

Jon Brooks, founder of Momentum Realty
Jon's Current Read

Loretto sits on the southern edge of Jacksonville in Duval County, and the honest read is that price here is driven far more by the individual property than by any single neighborhood number. Lot size, road frontage, age, and how much a home has been updated will move value more than the address alone. Expect a wide spread rather than a tidy comp set.

Without a firm handle on active inventory, the practical posture is patience on both sides. Sellers should price to condition and be ready to justify it; buyers should underwrite each home on its own merits rather than assume a going rate. This is a market where a walkthrough tells you more than a spreadsheet.

Nearby homes for sale

No active listings inside Loretto right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.

11613 LAKE RIDE Drive
$440K · 0.1 mi away
3 bd · 2 ba · 1,319 sqft
11613 LAKE RIDE Drive
Listed by WATSON REALTY CORP
3741 N RIDE Drive
$265K · 0.2 mi away
3 bd · 2 ba · 1,644 sqft
3741 N RIDE Drive
Listed by AMERICAN REAL ESTATE SOLUTIONS LLC
11546 WOODGLEN Way
$315K · 0.2 mi away
3 bd · 2 ba · 1,398 sqft
11546 WOODGLEN Way
Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
3737 LORETTO Road #104
$143K · 0.2 mi away
1 bd · 1 ba · 667 sqft
3737 LORETTO Road #104
Listed by LPT REALTY, LLC
3737 LORETTO Road #907
$165K · 0.2 mi away
2 bd · 2 ba · 908 sqft
3737 LORETTO Road #907
Listed by FLORIDA HOMES REALTY & MTG LLC
3603 NORTH RIDE Drive
$390K · 0.2 mi away
4 bd · 2 ba · 1,870 sqft
3603 NORTH RIDE Drive
Listed by COLDWELL BANKER VANGUARD REALTY

Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.

The 60-Second Overview

Loretto is a pocket of southern Jacksonville where the housing stock varies enough that no two sales look quite alike. Its Duval County location keeps it inside city services and road networks while sitting away from the denser urban core.

realMLS (Northeast Florida) sales records identify 11 homes in Loretto that have changed hands since 2006, built between 1956 and 1995 (median 1973), with a median living area of about 1,468 sq ft and a typical 3-bedroom, 2-bath layout; 100% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

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.

Best for

  • Buyers who prefer to evaluate each home individually rather than chase a fixed neighborhood price
  • Those wanting a Duval County location on the southern side of Jacksonville
  • Renovation-minded buyers willing to trade condition for the right lot

Probably not for

  • Buyers who want a master-planned subdivision with consistent, comparable pricing
  • Anyone who needs a tight, predictable comp set before committing
  • Buyers unwilling to underwrite a property on its own specifics

The market around Loretto

Loretto is too small for its own price trend, so here is the market around it.

In ZIP 32223, 112 homes are on the market and 30% are under contract — a fast-moving corner of Jacksonville.

Across Duval County, 3,953 homes are active and 1,522 pending (28% under contract).

In ZIP 32223 (Jacksonville), 624 homes closed in the last 12 months at a median of $365K ($216/sq ft), down 0.1% year over year, with a median 35 days on market. Right now 89 active and 42 pending listings put supply at about 2.8 months — a healthy market. See the live ZIP 32223 housing market and the Duval County market.

ZIP and county figures describe the wider market, not Loretto specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in Loretto, Jacksonville

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 6 listings
Distress share trend — 0.0% now (2026-09-04 → 2026-10-01)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

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

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Loretto.

Best Buy
Buyers who want a southern Jacksonville address and are comfortable evaluating homes case by case.
Biggest Risk
Price varies enough that comps are thin and each home must stand on its own.
Sweet Spot
A well-maintained home on a solid lot bought on its merits, not on averages.
Avoid If
You want a uniform subdivision with predictable, interchangeable pricing.

Reading a market that varies house to house

The thing to understand about Loretto is that condition and land carry the pricing here. A renovated home on a generous lot and a dated one on a tighter parcel can carry very different values, so lean on the specifics of each listing rather than a neighborhood average. That variability is a feature if you are willing to shop carefully.

Because of that spread, the median is a reference point, not a rule. Use it to orient yourself, then let the home in front of you set the real conversation. Sellers who understand where their property lands on that curve tend to price cleanly; buyers who understand it avoid overpaying for cosmetics.

“

The location and the amenities are priced into every listing in Loretto. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a market where value hinges on the individual property, our job is to read each home honestly — condition, lot, and location — and tell you where it actually sits rather than lean on a headline number. That candor is what keeps buyers from overpaying and helps sellers price to what they truly have.

Loretto in 15 seconds.

Best forBuyers who want a southern Jacksonville address and are comfortable evaluating homes case by case.
Biggest advantageA wide range of housing stock means room to find value if you shop the details.
Biggest riskPrice varies enough that comps are thin and each home must stand on its own.
Sweet spotA well-maintained home on a solid lot bought on its merits, not on averages.
Avoid ifYou want a uniform subdivision with predictable, interchangeable pricing.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Loretto homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Loretto.
In short
  • 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Loretto sales matched to your home.

What is your Loretto home worth?

Get a no-obligation home value based on real comparable sales in Loretto, 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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Real comps, not an automated estimate.
Buyers who prefer to evaluate each home individually rather than chase a fixed neighborhood priceExcellent fit
Those wanting a Duval County location on the southern side of JacksonvilleExcellent fit
Renovation-minded buyers willing to trade condition for the right lotExcellent fit
Buyers who want a master-planned subdivision with consistent, comparable pricingProbably not
Anyone who needs a tight, predictable comp set before committingProbably not
Buyers unwilling to underwrite a property on its own specificsProbably not

Data sources & freshness

Under-contract sharesrealMLS records, as of 2026-10-01
Historical depthClosed-sale records back to 2006 (13 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.

Own a home here?

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

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 local comps.

Looking to buy here? Search homes for sale →

What’s your home worth in your area?

A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

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CallFree valuation →
Thinking of selling in Loretto? See the Duval County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

Nearby Communities

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

AFArbor Forest0.2 mi away · 42 homes, built 1990–91, 1 for saleWFWyndam Forest0.3 mi away · 46 homes, built 1989–98SSchoenwald0.3 mi away · 14 homes, built 1982–17RGReds Gait0.4 mi away · 41 homes, built 2004–06, 1 for saleOPOldfield Point0.4 mi away · median $520K, 4 sales/12 moAAAladdin Acres0.4 mi away · median $405K, 3 sales/12 moAAAladdin Acres Starke0.4 mi away · median $405K, 3 sales/12 mo

Browse all neighborhood guides →

Schools serving nearby communities

We do not have a confirmed school assignment for Loretto. These are the public schools most often assigned to other communities in ZIP 32223; zones change and vary by address, so confirm with the district before you buy.

Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).

Common questions about Loretto

Where is Loretto?

Loretto is a community in Jacksonville, Duval County, Florida, ZIP 32223.

Are there homes for sale in Loretto right now?

No active listings inside Loretto at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.

Does Loretto have an HOA or CDD?

No HOA is on record for Loretto in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.

Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.

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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.

$1,848/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.