Oak Terrace
Homes for Sale in Jacksonville, FL
True comps, carrying-cost math, and listings before the portals.
Oak Terrace's home stock ranges from as-built in 1907 through new construction as recent as 2024, but the median build year of 1940 tells you where the center of gravity actually sits: this is a mature, in-town Duval County pocket built up well before today's subdivisions, with newer homes filling in as one-off replacements rather than a planned phase. At a median of 1,409 living square feet, the typical home here is compact by current standards, which keeps renovation and rebuild economics in play on almost every street.
With no closings recorded in the current window, there isn't a fresh trend line to lean on — pricing here gets built house by house, off condition and lot, rather than a subdivision comp set. Add a homestead share of just 34.3% across the 92 homes on record, and it's clear a meaningful share of this inventory turns over as investment or non-primary-residence property, which keeps a wider mix of buyers and sellers moving through than a purely owner-occupied block would.
The 60-Second Overview
Oak Terrace is a 92-home Duval County pocket in Jacksonville where construction spans more than a century — from 1907 to 2024 — anchored by a median build year of 1940 and no identified community amenities, so the draw here is the individual home and lot, not a shared clubhouse or pool.
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.
Who Oak Terrace is best for.
Best for
- Renovation-minded buyers evaluating homes individually rather than by subdivision comp.
- Investors comfortable in a market where only 34.3% of the 92 homes carry a homestead exemption.
- Buyers who want a compact footprint — median living area of 1,409 square feet — over a larger new build.
Probably not for
- Buyers who need recent closed-sale comps before making an offer — none are recorded in the current window.
- Buyers who want organized community amenities like a pool or clubhouse — none are identified here.
- Buyers who want uniform new construction only — the median build year across these 92 homes is 1940.
The market around Oak Terrace
Oak Terrace is too small for its own price trend, so here is the market around it.
In ZIP 32206, 130 homes are on the market and 22% are under contract — a steady corner of Jacksonville.
Across Duval County, 3,905 homes are active and 1,695 pending (30% under contract).
ZIP and county figures describe the wider market, not Oak Terrace specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Oak Terrace, Jacksonville
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
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.
The Oak Terrace buying strategy.
If we were buying in Oak Terrace 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 Oak Terrace.
One Pocket, A Century of Building
The range tells the story: the oldest recorded home in Oak Terrace dates to 1907, the newest to 2024, and the median build year lands at 1940. That's a wide spread packed into just 92 homes, meaning this isn't a single-era subdivision where every house shares a floor plan and a builder — it's a mix of early stock and scattered newer builds replacing what came before. Buyers should expect to evaluate each home on its own age and condition rather than assume uniformity from one address to the next.
Median living area comes in at 1,409 square feet, modest relative to new construction elsewhere in the market, and there are no community amenities identified from current MLS listings — no clubhouse, pool, or HOA-run common space to factor into the value equation. Ownership here also skews away from straight owner-occupancy: only 34.3% of the 92 homes carry a homestead exemption, which points to a real share of the inventory held as rental or investment property rather than primary residences.
The location and the amenities are priced into every listing in Oak Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A neighborhood spanning 1907 to 2024 construction, with no closings recorded in the current window and no organized amenities to fall back on for comps, is not a place to price off a template. Momentum evaluates each of Oak Terrace's 92 homes on its own build year, footprint, and condition, and reads the ownership mix — where less than a third of homes carry a homestead exemption — to tell a buyer or seller what's actually driving a given offer, rather than pointing to a subdivision average that doesn't exist here.
Oak Terrace in 15 seconds.
HOA, CDD & Fees
- 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.
Tools for a Oak Terrace 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 Oak Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Oak Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Oak Terrace home worth?
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Should you buy in Oak Terrace?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Historical depth | Closed-sale records back to 2001 (19 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.
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