Monument Lakes
Homes for Sale in Jacksonville, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of PENINSULA PROPERTIES REALTY INC · via realMLS
Monument Lakes is a built-out community on Jacksonville's east side, with homes dating from 1980 to 2002 and a median build year of 1983. That age band is what actually sets price here: no dollar figure is provided beyond the median, and in a neighborhood this mature the spread comes down to condition. Updated kitchens, roofs, HVAC, and windows separate the homes that move from the ones that sit.
With 158 homes and a homestead share near 72%, most of what's here is owner-occupied and turnover is limited. That points to a supply-constrained posture: buyers should be ready to act on a well-kept listing, and sellers who have genuinely updated their home have room to hold firm. Sellers coasting on original finishes should expect scrutiny and a longer conversation on price.
The setting & the homes.
Aerial and on-site photos of Monument Lakes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Monument Lakes
Monument Lakes
Monument Lakes
Monument Lakes
Monument Lakes
Monument LakesPhotos from realMLS listings in Monument Lakes; content deemed reliable but not guaranteed.
Who Monument Lakes is best for.
Best for
- Buyers seeking a settled, established neighborhood who don't require new construction
- Long-term owners planning to homestead and stay, given how much of the community does the same
- Renovation-minded buyers willing to update an older home and build equity through work
Probably not for
- Buyers who want a new-build with current-code systems and warranties
- Anyone needing above-average square footage beyond the community's modest median footprint
- Buyers on a tight timeline who can't wait out a market with limited listings
The market around Monument Lakes
Monument Lakes is a small community — 29 recorded sales on file, most recently in 2025 — too few for its own price trend. Here is the market around it.
In ZIP 32225, 125 homes are on the market and 41% are under contract — a fast-moving corner of Jacksonville.
Across Duval County, 2,814 homes are active and 1,188 pending (30% under contract).
The housing mix here is 95% single family residence, 5% townhouse.
ZIP and county figures describe the wider market, not Monument Lakes specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Monument Lakes
Live MLS inventory for Monument Lakes. 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 · 5 daysTop listingPending · 39 days
Pending · 137 daysActive and pending Monument Lakes listings as of 2026-07-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Monument Lakes on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Monument Lakes
- 24 Hour Security · reported on 1 of 1 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Duval County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Lone Star · Elementary
- Landmark · Middle
- Sandalwood · High
Zoned schools reflect the assignments reported on recent Monument Lakes listings 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 Monument Lakes address.
The Monument Lakes buying strategy.
If we were buying in Monument Lakes 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 Monument Lakes.
An established stock where condition is the story
The homes here were built across roughly two decades, with the bulk of the stock arriving early in that window. A median living area near 1,544 square feet tells you these are right-sized single-family homes rather than sprawling floor plans. For a buyer, that means predictable layouts and mature lots; for a seller, it means your competition is other homes of similar footprint, so the differentiator is what you've done to yours.
Because roughly seven in ten homes carry a homestead exemption, listings don't come to market often, and investor churn is minimal. That thins out the choices at any given moment. It also means the comparable set can be small, so pricing a home takes real judgment rather than a formula — one dated or one renovated recent sale can pull the read in either direction.
The location and the amenities are priced into every listing in Monument Lakes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a thin, owner-heavy market like Monument Lakes, comps are sparse and condition drives everything. We price off what a home actually is — its roof, systems, and finishes — not a rounded guess, and we tell sellers plainly when original condition will cost them at the table. For buyers, we help you judge which asking prices reflect real updates and which are hoping you won't look closely.
Monument Lakes in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 Monument Lakes 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 Monument Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Monument Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Monument Lakes home worth?
Get a no-obligation home value based on real comparable sales in Monument Lakes, 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 Monument Lakes on the map →
37% of homes for sale in ZIP 32225 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 (2026-07-18).
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.
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.
Frequently Asked Questions
How many homes are in Monument Lakes?
What share of Monument Lakes is owner-occupied?
When were the homes in Monument Lakes built?
Do cash buyers compete in Monument Lakes?
Who is the best real estate agent for Monument Lakes?
How do I find a top Jacksonville real estate agent who knows Monument Lakes?
Can Momentum Realty connect me with an agent for Monument Lakes?
Should you buy in Monument Lakes?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Monument Lakes with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (6 streets, ZIP 32225)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2001 (83 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 your area comps.
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