Paddle
Creek Homes for Sale in Jacksonville, FL

Resale townhome inventory · Jacksonville (Mandarin) · ZIP 32223

A small, fully built 1991 resale townhome community off San Jose Boulevard in Jacksonville's Mandarin area, known locally for having no homeowners association or CDD on a garage townhome product.

Resale townhomesJacksonville (Mandarin), Duval CountyNo HOA identified
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
This is a small, fully built resale community with no new construction. Confirm current active listings and any recent sales directly, since figures here have not yet been attached from a live MLS pull.
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Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulserealMLS
n/a
Median Price
0mo
Supply
n/a
Avg DOM
Soft
Seller Leverage
n/a
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Paddle Creek is a small anomaly in Jacksonville's Mandarin submarket: a garage townhome community with no homeowners association and no identified CDD, in an area where HOA-governed product is the norm. That absence cuts both ways. It can mean lower fixed monthly costs, but it also means exterior maintenance, insurance, and any shared repairs fall to individual owners rather than a managed association. Because the community was built around 1991 and has not added new phases, the market here is pure resale, driven by unit condition and whichever owners choose to list, not by a builder's release calendar."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Paddle Creek is a small resale townhome community on Paddle Creek Drive in the Mandarin area of Jacksonville, in Duval County. The homes were built around 1991 and are typically 2 to 3 bedroom townhomes with 2-car garages and screened patios, reached from San Jose Boulevard by way of Plummer Cove Road.

Public property records and area listing sources describe Paddle Creek as having no homeowners association and no identified Community Development District, which is uncommon for a garage townhome product in this part of Jacksonville. Confirm both points against the specific parcel and any recorded covenants before you rely on them, since HOA and CDD status can change or vary by unit.

Because the community is fully built out with no active new-construction phase, the market here behaves like a small, closed resale pool. Supply depends entirely on which owners choose to list in a given season, and the surrounding Mandarin corridor along San Jose Boulevard is a long-established part of Jacksonville rather than a growth corridor, so demand here tends to track the broader city market more than any single nearby project.

Best for

  • Buyers who want a garage townhome without a mandatory HOA to budget around
  • Buyers targeting the established Mandarin area of Jacksonville near San Jose Boulevard
  • Buyers comfortable handling exterior maintenance directly rather than through an association

Probably not for

  • Buyers who want managed common-area amenities like a pool or clubhouse
  • Buyers who need new construction with a builder warranty
  • Buyers who prefer an HOA to enforce exterior upkeep and community standards

How Jacksonville is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
n/aMedian days on marketdays
0 : 0Under contract vs for salestrong demand
0Sold in last 12 monthsliquidity
+0%Asking vs recent sold $/sqftroom to negotiate

Live market metrics for Paddle Creek update as realMLS listings and sales post. Figures shown reflect current recorded activity; confirm specifics by address.

Live from realMLS, as of July 9, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Jacksonville 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 Paddle Creek buys, holds, and resells. See the five factors.

Listing locations from realMLS; 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

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

I-295 (Southside/Mandarin interchange)5 to 10 min · approximate
Downtown Jacksonville20 to 30 min · approximate
St. Johns Town Center15 to 20 min · approximate
Jacksonville International Airport35 to 45 min · approximate

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

Nearby Communities

Explore more neighborhoods near PaddleCreek Homes for Sale in Jacksonville, FL with Momentum Realty’s local guides.

MPMarbon Pointe Homes for Sale in Jacksonville, FLJacksonville, FL · 0.2 miHHHammockOaks Homes for Sale in Jacksonville, FLJacksonville, FL · 0.2 miCHCormorantCove Homes for Sale in Jacksonville, FLJacksonville, FL · 0.3 miEHEaglewood Homes for Sale in Jacksonville, FLJacksonville, FL · 0.3 miCHCormorantCreek Homes for Sale in Jacksonville, FLJacksonville, FL · 0.3 miSHSuttonGrove Homes for Sale in Jacksonville, FLJacksonville, FL · 0.4 miHAHideaway AtSan Jose Homes for Sale in Jacksonville, FLJacksonville, FL · 0.5 miCHChelseaCove Homes for Sale in Jacksonville, FLJacksonville, FL · 0.6 miAHArrowLakes Homes for Sale in Jacksonville, FLJacksonville, FL · 0.6 mi

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Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Jacksonville (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
  • Duval 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

Jacksonville is served by Duval 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.

High

Mandarin High School (Duval County Public Schools, verify by address)

Middle

Mandarin Middle School (Duval County Public Schools, verify by address)

Elementary

Loretto Elementary School (Duval County Public Schools, verify by address)

Buying with schools in mind? We can confirm the exact zoned schools for any Jacksonville address.

The takeaway

Paddle Creek's story is stability rather than change. It is a small, fully built 1991 townhome community in Jacksonville's established Mandarin area, so what moves the market here is resale turnover and the wider San Jose Boulevard corridor, not a builder's next phase.

Recent Developments in Paddle Creek

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

Net OutlookBullishNet neutral. No new construction is coming to this built-out community, so expect gradual, resale-driven activity that tracks the broader Jacksonville market rather than a single local catalyst.

Mandarin corridor is fully built out

2026
NeutralNotable impact
SignificanceRadius: Corridor

The San Jose Boulevard area around Paddle Creek is a long-established part of Jacksonville with little vacant land left to develop, so change here comes mostly from resale turnover and gradual infill rather than large new subdivisions.

Insurance remains a real carrying cost

2026
NeutralNotable impact
SignificanceRadius: Region

Florida homeowners insurance is a meaningful line item for Duval County buyers. Get a bindable quote for the specific unit, since 1991-era construction and roof age can affect underwriting.

No HOA means costs sit with the owner

2026
NeutralMinor impact
SignificanceRadius: Community

With no homeowners association identified, exterior maintenance, reserves, and any shared repairs are not pooled through dues. Budget for those costs individually rather than assuming an association covers them.

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 Paddle Creek, 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 ↓

    Development alerts for Paddle CreekGet a short monthly email when something new is approved, funded, or opens near Paddle Creek.

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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 Jacksonville, this is the order of operations we would run, and the one we run for our clients.

    1

    Confirm HOA and CDD status directly with the Duval County Property Appraiser and any recorded covenants for the specific unit.

    2

    Verify the exact zoned elementary, middle, and high school by the unit's address with Duval County Public Schools.

    3

    Get a bindable homeowners insurance quote for the specific unit given its 1991 construction date.

    4

    Ask for the roof, plumbing, and HVAC replacement history on any unit you tour, since exterior maintenance is not pooled through an association.

    5

    Compare the unit against recent resale activity in the wider Mandarin area, since Paddle Creek itself is a small, closed pool of homes.

    Best Buy
    A well-maintained unit with documented recent roof, HVAC, and plumbing updates, given the 1991 construction date and lack of a pooled maintenance association.
    Biggest Risk
    No association to enforce exterior upkeep means unit condition can vary widely from one home to the next.
    Best Lot
    With only one street of homes, position relative to the street entrance and any adjacent arterial road matters more than a traditional lot factor.
    Smart Timing
    Resale-only; watch for listings opportunistically rather than a phase-release calendar.
    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

    The Homes

    Type

    Resale townhomes (built circa 1991)

    Layout

    2 to 3 bedrooms, 2-car garage, screened patio

    Size range

    Not verified; confirm exact square footage by unit

    New construction

    None; the community is fully built out

    Costs & Fees

    HOA

    None identified in public records; confirm with a title search

    CDD

    None identified; confirm on the parcel tax record

    Property use

    Primary residences and rentals (not verified by unit)

    Amenities

    Marketed

    No shared community amenities identified

    Status

    Not applicable; no clubhouse or pool identified

    Location

    Town

    Jacksonville (Mandarin area), Duval County

    Access

    Off San Jose Boulevard by way of Plummer Cove Road

    I-295

    A few miles away; exact drive time not sourced

    The takeaway

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

    The Entry

    Smaller or original-condition 2-bedroom units typically anchor the lower end of Paddle Creek's resale range within the wider Mandarin market.

    Lowest entry
    The Core

    Most 3-bedroom units with a 2-car garage and an updated kitchen or bath sit in the middle of the range for the community.

    Most inventory
    The Top

    Units with fully updated systems (roof, HVAC, plumbing) and the best position on the street command the top of the local resale range.

    Strongest resale

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

    The Entry
    Smaller or original-condition 2-bedroom units typically anchor the lower end of Paddle Creek's resale range within the wider Mandarin market.
    The Core
    Most 3-bedroom units with a 2-car garage and an updated kitchen or bath sit in the middle of the range for the community.
    The Top
    Units with fully updated systems (roof, HVAC, plumbing) and the best position on the street command the top of the local resale range.

    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.

    Home ageBuilt circa 1991
    Maintenance responsibilityNo pooled HOA budget
    Exterior upkeep consistencyNo association standard
    Carrying costsNo HOA or CDD identified
    Resale pool sizeSingle street, limited comps

    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 Jacksonville

    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 value here is not amenities, it is independence: no HOA to budget around, and no shared association standing between you and the unit.

    Jon Brooks · Founder, Momentum Realty
    5.8C · Buy Score
    Resale Strength5.5/10
    Renovation Risk5.0/10
    Location Efficiency6.8/10
    Long-Term Defensibility4.8/10
    Carrying Cost Advantage7.2/10

    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 Jacksonville is different.

    Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No automated estimate, no guesswork.

    Live realMLS 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 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 realMLS; for orientation, not an appraisal.

    15-Second Take
    • Only one street of homes, so position relative to the entrance and Plummer Cove Road access matters most.
    • No shared amenities to weigh, so unit condition and updates drive value more than lot factors.
    • Ask whether a unit backs to San Jose Boulevard or a commercial parcel before you tour.
    • With no HOA, ask directly about any shared drainage, fencing, or party-wall responsibilities between units.
    • Verify flood zone status for the specific unit given the community's proximity to area waterways.

    Paddle Creek is a single-street community, so the traditional idea of competing subdivisions of lots does not really apply. What differs from unit to unit is proximity to the Plummer Cove Road entrance and San Jose Boulevard, any shared party walls or fencing with a neighboring unit, and how well the individual owner has maintained the roof, HVAC, and plumbing since 1991. Because there is no association to standardize exterior upkeep, ask pointed questions about each of those before you commit, and verify the specific unit's flood zone given the area's proximity to nearby waterways.

    Jacksonville in 15 seconds.

    Best forBuyers who want a garage townhome without a mandatory HOA in Jacksonville's Mandarin area.
    Biggest advantageNo identified homeowners association or CDD, which is uncommon for this product type.
    Biggest riskNo association to enforce exterior upkeep, so unit-to-unit condition can vary.
    Sweet spotA well-maintained unit with documented recent roof and system updates.
    Avoid ifYou want managed amenities, new construction, or an HOA-enforced community standard.

    HOA, CDD & Fees

    15-Second Take
    • No homeowners association was identified; confirm with a title search.
    • No Community Development District was identified; confirm on the parcel's tax record.
    • No shared community amenities (pool, clubhouse) were identified.
    • Exterior maintenance is not pooled through dues, so budget for it individually.
    • Built around 1991; ask for roof, HVAC, and plumbing replacement history.

    Public records and area listing sources describe Paddle Creek as having no homeowners association, which is uncommon for a garage townhome community in this part of Jacksonville. Confirm this directly with a title search and the Duval County Property Appraiser before you rely on it, since HOA status can be incomplete in public data.

    With no association identified, there are no pooled dues covering common-area upkeep. Exterior maintenance, insurance, and any shared repairs fall to individual owners rather than a managed budget.

    There is no golf course or clubhouse here; no shared community amenities were identified.

    The takeaway

    Selling here is won on condition and view, not an automated estimate. The right number comes from closed comps matched to your renovation level and lot.

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

    In Jacksonville, condition and view decide your number

    Because buyers here are weighing your home against renovated comps and cross-shopping Loretto, 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 Jacksonville home worth?

    Get a no-obligation home value based on real comparable sales in Jacksonville 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 Paddle Creek on the map →

    Real comps, not an automated estimate.

    Price History: What Homes Here Have Actually Sold For

    Median sale prices in Paddle Creek year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

    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.

    $1,614/mo
    Duval County typical true cost to own
    $110/mo
    Duval County typical home insurance
    Has a CDD
    Bond assessment on top of taxes

    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.

    Live market metrics for Paddle Creek are being compiled from realMLS activity and will appear here as listings and sales post. For current county-level figures, see the market data links below.

    Market metrics only; these describe homes for sale and recent sales, not residents.

    Frequently Asked Questions

    Is Paddle Creek a new-construction or resale community?
    It is a resale community. Homes were built around 1991, and there is no active new-construction phase.
    Is there a homeowners association?
    Public records and area listing sources describe Paddle Creek as having no homeowners association, which is uncommon for a garage townhome community. Confirm this with a title search before you buy.
    Is there a CDD bond on the taxes?
    No Community Development District was identified for this community. Confirm CDD status on the specific parcel's tax record with the Duval County Property Appraiser.
    What type of homes are in Paddle Creek?
    Townhomes, typically 2 to 3 bedrooms, with a 2-car garage and a screened patio. Verify the exact square footage of a specific unit before you rely on it.
    What amenities does the community have?
    No shared community amenities, such as a pool or clubhouse, were identified for Paddle Creek.
    Is Paddle Creek gated or age-restricted?
    There is no verified information that the community is gated, and it is not marketed as age-restricted or 55 plus.
    What schools serve the community?
    It is zoned in Duval County Public Schools, generally Loretto Elementary School, Mandarin Middle School, and Mandarin High School. Verify the exact zoned schools by the unit's address.
    Where is Paddle Creek located?
    On Paddle Creek Drive in the Mandarin area of Jacksonville, reached from San Jose Boulevard by way of Plummer Cove Road, a few miles from I-295.
    How far is downtown Jacksonville?
    Roughly a 20 to 30 minute drive via San Jose Boulevard and I-295, though this is an approximate estimate; verify current drive time.
    What is the biggest risk of buying here?
    With no association to enforce exterior upkeep, unit condition can vary widely. Ask for the roof, HVAC, and plumbing replacement history before you make an offer.
    How should I think about maintenance costs without an HOA?
    Because there is no pooled association budget, plan to handle exterior maintenance, insurance, and any shared repairs directly, and factor that into your ongoing cost estimate.
    Is flood risk a concern here?
    The Mandarin area sits near the St. Johns River and its tributaries. Verify the specific unit's flood zone designation before you buy.
    How many homes are in Paddle Creek?
    It is a small, single-street community. Confirm the exact home count with the Duval County Property Appraiser.
    Should I get my own agent to buy here?
    Yes. Your own agent can review title, HOA and CDD status, and comparable sales in the wider Mandarin market before you make an offer.
    How current is the data on this page?
    This page reflects fast-turnaround research on Paddle Creek's location, schools, and public HOA and CDD records. Always verify current listings, price, and availability directly before you make an offer.
    Who is the best real estate agent for Paddle Creek?
    The best agent for Paddle Creek is one who actively works Jacksonville and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Paddle Creek.
    How do I find a top Jacksonville real estate agent who knows Paddle Creek?
    Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Paddle Creek and the wider Jacksonville area.
    Can Momentum Realty connect me with an agent for Paddle Creek?
    Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Paddle Creek purchase or sale - no call center and no pressure.
    You want a garage townhome without a mandatory HOA to budget around.Excellent fit
    You are targeting the established Mandarin area of Jacksonville near San Jose Boulevard.Excellent fit
    You are comfortable handling exterior maintenance directly rather than through an association.Excellent fit
    You plan to verify unit condition and updates carefully before buying in a small resale pool.Excellent fit
    You want managed common-area amenities like a pool or clubhouse.Probably not
    You need new construction with a builder warranty.Probably not
    You prefer an HOA to enforce exterior upkeep and community standards.Probably not
    You need a large pool of comparable listings within the community itself.Probably not

    Get the inside read on Jacksonville

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

    Median sale price in Paddle Creek, Florida by year (2012 to 2026). Source: Momentum Realty.
    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. Source: Data provided by realMLS.

    Zoom out before you decide: see the Duval County market guide or every community in the Neighborhood Finder.

    Get my Duval County cash offer →

    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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