North Creek

Executive Summary

North Creek is an established Oceanway community off Summer Breeze Drive at Dunn Creek Road, built roughly 2002 to 2017 by multiple builders, which gives it a wider mix of floor plans and elevations than a single-builder tract.

The amenity list punches above the fee level: a community pool, basketball, tennis, a playground, a picnic pavilion, and an RV and boat storage lot, which is a genuinely scarce amenity in Jacksonville.

A 2,904 square foot pool home at 14036 Summer Breeze Drive sold for 434,000 dollars on January 15, 2025 per Coldwell Banker records, while Redfin as of June 4, 2026 showed actives from 350,000 to 479,900 dollars and a median sale around 323,000 dollars at 148 dollars per square foot with homes averaging 65 days on market.

Quick Facts

Community Overview & History

The Oceanway community built for gear owners

Oceanway grew fast on the strength of River City Marketplace and the airport corridor, and most of that growth came with CDD bonds attached. North Creek took shape from 2002 to 2017 with multiple builders, an active HOA, and no CDD reported, and it kept one feature that almost nothing else in the area offers: a dedicated RV and boat storage lot inside the community. For Northside boaters near the Broward and Dunn Creek launches, that is not a small thing.

How it feels on the ground today

North Creek is fully established, with maturing trees and a steady resale rotation rather than construction traffic. The multi-builder history means streets do not look stamped from one mold, and the size band from roughly 1,600 to nearly 3,000 square feet covers starter buyers through larger families. The amenity core, pool, courts, playground, and pavilion, is well used, and the HOA runs an active management portal through HMC.

Sections and Home Styles

Fifteen years of phased construction by multiple builders means North Creek is really several mini-markets, and the section drives both the fee figure and the architecture.

The early 2000s sections

The original streets closest to Dunn Creek Road, now with the most mature landscaping; these homes have hit the age where roofs and HVAC systems become the inspection headline.

The later 2010s sections

Newer construction toward the back of the community, often with more current floor plans, taller ceilings, and the open kitchen layouts buyers expect today.

The larger family plans

Four and five bedroom homes pushing toward 2,980 square feet, the segment that drives the top of the price band, especially with pools.

Pool homes

Private-pool properties like the Summer Breeze Drive sale that closed at 434,000 dollars in January 2025 trade at a clear premium over the community median.

Real Estate Market

Redfin data as of June 4, 2026 showed active listings from 350,000 to 479,900 dollars, a median sale price around 323,000 dollars at 148 dollars per square foot, and an average of 65 days on market.

The benchmark recent sale is 14036 Summer Breeze Drive, a 2,904 square foot pool home that closed at 434,000 dollars on January 15, 2025 per Coldwell Banker records, showing what the top of the community trades for.

The gap between the 323,000 dollar median and the 479,900 dollar top ask reflects the wide size band; price per square foot is the honest yardstick here, not the headline number.

Who Lives Here

North Creek draws Northside families who want a real amenity package without a CDD, boat and RV owners who need the storage lot, and airport-area and River City Marketplace commuters.

Schools

North Creek is served by Duval County Public Schools, with attendance zones by home address, plus private and charter options nearby. Confirm the exact zoning for a North Creek address before you buy. Schools commonly cited for the area include Oceanway Elementary, Oceanway School, and First Coast High, but zoning shifts, so confirm the current assignment by address with the district.

Amenities & Lifestyle

The amenity package is the reason North Creek punches above its price point on the Northside, and the storage lot is the piece you will not find next door.

Community pool

The centerpiece of the amenity area for the long Florida swim season.

Tennis and basketball courts

A court lineup most communities at this fee level skip entirely.

Playground and picnic pavilion

The family core of the common area, with covered space for gatherings.

RV and boat storage lot

A dedicated storage area inside the community, genuinely rare in Jacksonville; availability and any fees go through the HOA.

HOA, CDD & Costs

The HOA is active and professionally managed with an HMC portal; reported dues vary widely by section and source, roughly 150 to 600 dollars per year, so confirm the figure for your specific section directly with the manager before contract.

No CDD is reported for North Creek, which keeps the tax bill free of the extra assessment line common in newer Oceanway communities; verify on the parcel before closing.

The RV and boat storage lot typically runs on availability through the HOA, so if the storage is your reason for buying here, confirm space and any separate fee before you write the offer.

Commute Analysis

North Creek sits off Dunn Creek Road with quick runs to I-295 and the airport corridor, so River City Marketplace errands and downtown commutes both start fast.

Shopping & Dining

River City Marketplace covers big-box retail, groceries, dining, and a movie theater about ten minutes away, with the Main Street and Yellow Bluff corridor adding closer-in daily errands.

Pros and Cons

North Creek vs. Comparable Communities

Hidden Things Buyers Should Know

The storage-lot arbitrage

Off-site RV and boat storage in Jacksonville commonly runs 75 to 150 dollars a month or more; a community storage lot can offset most of the HOA dues by itself if you own gear, a math problem almost no listing sheet does for you.

The dues-reporting spread

Online sources report North Creek dues anywhere from about 150 to 600 dollars a year because sections differ and aggregators blend them; the only number that counts is the one from the management company in writing.

The per-foot tell

The 323,000 dollar median against nearly 480,000 dollar top asks looks confusing until you price per square foot; at around 148 dollars per foot per Redfin, the bigger homes here are often the better relative buy.

Momentum Expert Insight

Selling a Home in North Creek

With 65 average days on market per Redfin, pricing discipline matters; we anchor North Creek listings to per-square-foot comps within the same section and era rather than the blended community median.

We position North Creek listings around the no-CDD math and the storage lot, the two features that out-of-area buyers and their agents most often miss in the MLS remarks.

Flood Zones & Insurance

Jacksonville sees coastal, river, and creek flooding, and pockets near the St. Johns River tributaries can sit in higher-risk zones. Jacksonville participates in the FEMA Community Rating System at a class 6, which earns flood-insurance discounts of about 10 percent for homes outside a special flood hazard area and about 20 percent for homes inside one.

The reliable move is to pull the FEMA flood designation for the exact North Creek address before you write an offer, since two homes in the same area can fall in different zones. A home in Zone X can cost far less to insure than one near water in Zone AE. Get a bindable flood and homeowners quote during your inspection period, so the cost is in your monthly math before you commit, not after.

Internet & Connectivity

The Jacksonville metro is served by Xfinity (Comcast) cable across nearly all addresses and by AT&T with DSL almost everywhere plus fiber to a growing share of homes. If working from home matters, confirm the options, and fiber in particular, at the specific North Creek address rather than assuming.

The Tax Reality

Duval County total millage runs roughly 17.9 to 18.5 mills depending on the taxing district. The Florida homestead exemption for 2026 is 51,411 dollars for those who qualify, and the deadline to file a new homestead exemption is March 1.

The trap to plan for is the post-sale reset: when you buy, the Save Our Homes cap from the previous owner ends and the assessed value resets to the new just value, so your second-year tax bill is often higher than the seller current one. Budget the true number, and confirm whether the specific home carries a CDD or other assessment that is billed separately from the millage and is not reduced by the homestead exemption.

What Your Budget Buys Here

The same budget buys very different homes across North Creek and the surrounding area, depending on age, size, lot, and condition. Rather than anchor on the asking price or the neighborhood average, price any specific home off the most recent comparable sales, and weigh what your money would buy in the nearby alternatives before you commit.

The Future of the Area

Duval County continues to grow, with new rooftops, retail, and road work reshaping parts of the area. That growth supports long-run demand, but it can also add competing inventory and construction traffic in the near term, so factor both the upside and the disruption into your timing and your pricing.

Resale Liquidity

How quickly a North Creek home resells comes down to presentation, condition, and pricing against the latest comparable sales rather than the neighborhood average. Homes that are priced correctly and shown well tend to move, while overpriced or dated homes sit. We track the active and sold comparable set so a North Creek home is priced to the real market.

The North Creek Playbook

If you are buying in North Creek, here is how we would approach it: pull the flood zone and a real insurance quote for the specific address, confirm the HOA dues and whether a CDD applies, compare what your budget would buy nearby, and price the home off the closest comparable sales rather than the asking price. If you are buying any new-construction home, bring your own agent before you register, since the on-site representative works for the builder, not for you.

Questions We Would Ask Before Buying Here

Mistakes to Avoid

The common ones around North Creek: trusting the seller current tax bill instead of the post-sale reset; skipping the address-specific flood check; assuming fiber is at every home; and pricing off the neighborhood average rather than the closest comparable sales. Each is avoidable with the right diligence, which is exactly where having your own agent pays off.

Price History: What Homes Here Have Actually Sold For

Median sale prices in North Creek Jacksonville year by year since 2012, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.

Frequently Asked Questions

Where is North Creek?

Off Summer Breeze Drive at Dunn Creek Road in the Oceanway area of north Jacksonville, ZIP 32218, about ten minutes from River City Marketplace.

When were the homes built?

Roughly 2002 to 2017 across multiple sections, by multiple builders, which gives the community a wider mix of plans than a single-builder tract.

What do homes cost?

Redfin as of June 4, 2026 showed actives from 350,000 to 479,900 dollars and a median sale around 323,000 dollars at 148 dollars per square foot. Confirm current pricing.

How big are the homes?

Roughly 1,600 to 2,980 square feet with 3 to 5 bedrooms.

What amenities are included?

A community pool, basketball, tennis, a playground, a picnic pavilion, and an RV and boat storage lot.

Is there really RV and boat storage?

Yes, a dedicated storage lot inside the community, which is rare in Jacksonville; confirm availability and any separate fee with the HOA before contract.

What is the HOA?

The HOA is active and managed through an HMC portal; reported figures vary roughly 150 to 600 dollars per year by section and source, so confirm your section directly with the manager.

Is there a CDD?

No CDD is reported for North Creek; verify on the tax bill for the specific parcel before closing.

What schools serve North Creek?

Duval County Public Schools; Oceanway Elementary, Oceanway School, and First Coast High are commonly cited for the area, but confirm current zoning by address with the district.

Is North Creek gated?

No, it is an open community; confirm current access details with the HOA.

How far is the airport?

Jacksonville International Airport is about twelve minutes away, which makes North Creek popular with airport-corridor workers and frequent travelers.

How long do homes take to sell?

Redfin data as of June 4, 2026 showed an average of 65 days on market, so buyers often have room to negotiate and sellers need sharp pricing.

What sold recently?

A 2,904 square foot pool home at 14036 Summer Breeze Drive closed at 434,000 dollars on January 15, 2025 per Coldwell Banker records, a benchmark for the top of the community.

Is new construction available?

No, the community is built out, so inventory comes from resale turnover.

Who should I call about North Creek?

Call Momentum Realty at (904) 351-6461 or use the form on this page, and we will connect you with the right agent.

Do I need my own agent to buy here?

Yes. In a resale community the listing agent works for the seller. Your own agent represents only you, and in most cases the seller side funds the commission anyway.

Related Reading

If you are weighing North Creek against the rest of the Oceanway and Northside market, these guides are a good next step.