River
Cove Homes for Sale in Jacksonville, FL

Established River Cove resale market · Jacksonville · ZIP 32225

An established, resale neighborhood in the Fort Caroline section of Arlington in Jacksonville, ZIP 32225, near the St. Johns River and the Jacksonville Arboretum and Gardens.

Established resaleFort Caroline, JacksonvilleNear the St. Johns River
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
This is a settled resale neighborhood, not a new-construction release. Inventory is limited and individual, so condition, updates, lot, and any proximity to the water drive value more than a single headline number. Verify specifics by address.
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Unlock Off-Market River Cove

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

"River Cove is a resale play in the Fort Caroline section of Arlington, not a builder market. The value driver is the individual home, since the housing stock trades on condition, updates, and lot rather than a price sheet. The location thesis is proximity to the St. Johns River and the Jacksonville Arboretum and Gardens, but water access, view, and flood exposure vary parcel by parcel and should always be confirmed rather than assumed from the community name."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

River Cove is an established, single-family resale neighborhood in the Fort Caroline section of Arlington in Jacksonville, in Duval County. Homes are brick single-family construction, mostly one-story, on standard to larger lots, some along a cove or tributary of the St. Johns River, and because these are resale homes rather than new construction, each one trades on its own condition, updates, and lot rather than on a builder release schedule.

The neighborhood sits off Fort Caroline Road and Rio Cove Drive, reached from I-295 by way of Merrill Road, in the same general area as the Jacksonville Arboretum and Gardens. Some parcels front the water directly, but direct river or cove access and flood exposure vary street by street and should always be confirmed on the specific parcel rather than assumed from the community name.

The bigger picture is location. The Fort Caroline area connects to the rest of Arlington and, by way of the Arlington Expressway and Mathews Bridge corridor, to downtown Jacksonville, while also sitting within reach of the St. Johns Town Center retail and job corridor. Duval County has continued to see steady population growth, which supports demand for an established, built-out neighborhood like this one, though it also means insurance and carrying costs are worth checking carefully on any water-adjacent parcel.

Best for

  • Buyers who want an established Fort Caroline area home near the St. Johns River
  • Buyers comfortable evaluating or updating a resale brick home to build in value
  • Buyers who value proximity to the Jacksonville Arboretum and Gardens and a shorter drive to downtown

Probably not for

  • Buyers who need new construction with a builder warranty and modern systems
  • Anyone who wants a gated, amenitized HOA community with a pool and clubhouse
  • Buyers unwilling to verify flood zone, insurance cost, and the age of roof and systems on an older home

How River Cove 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 River Cove 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 River Cove 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 River Cove 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.

Downtown Jacksonville20 to 25 min · approximate, via Arlington Expressway
Jacksonville International Airport (JAX)25 to 30 min · approximate
St. Johns Town Center12 to 18 min · approximate
Jacksonville Arboretum and Gardensunder 5 min · approximate
Jacksonville beaches25 to 35 min · approximate
Mayo Clinic (San Pablo)20 to 25 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 RiverCove Homes for Sale in Jacksonville, FL with Momentum Realty’s local guides.

HHHidden Hills Homes for Sale in Jacksonville, FLJacksonville, FL · 1.1 miTHTheValley Homes for Sale in Jacksonville, FLJacksonville, FL · 1.1 miCHCarolineRidge Homes for Sale in Jacksonville, FLJacksonville, FL · 1.1 miOakwood Villas in Jacksonville, FLOakwood Villas in Jacksonville, FLJacksonville, FL · 1.2 miCHCollinswood Homes for Sale in Jacksonville, FLJacksonville, FL · 1.2 miSRSunrise Ridge Homes for Sale in Jacksonville, FLJacksonville, FL · 1.3 miMonument Oaks Homes for Sale in Jacksonville, FLMonument Oaks Homes for Sale in Jacksonville, FLJacksonville, FL · 1.4 miLALakeside atMerrill Homes for Sale in Jacksonville, FLJacksonville, FL · 1.4 miMerrill Pines Homes for Sale in Jacksonville, FLMerrill Pines Homes for Sale in Jacksonville, FLJacksonville, FL · 1.4 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
River Cove (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

River Cove 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

Sandalwood High School (Duval County Public Schools); verify by address

Middle

Landmark Middle School (verify by address)

Elementary

Sabal Palm Elementary School or Waterleaf Elementary School (verify by address)

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

The takeaway

The story here is an established, water-adjacent Arlington neighborhood near the Jacksonville Arboretum, in a county that keeps adding residents even as insurance costs for older and water-adjacent homes climb.

Recent Developments in River Cove

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

Net OutlookBullishNet stable for an established Fort Caroline area neighborhood, with steady underlying demand from county growth offset by the carrying costs of an older housing stock near the water.

Duval County keeps adding residents

Evergreen
BullishNotable impact
SignificanceRadius: County

Duval County has continued to grow in population in recent years, sustaining underlying housing demand across established Jacksonville neighborhoods including the Fort Caroline area.

Florida insurance costs remain a real line item

Evergreen
NeutralNotable impact
SignificanceRadius: Region

Florida homeowners insurance, and especially flood insurance for parcels near the St. Johns River or its coves, has risen in recent years. Get a bindable quote for the specific address before you commit.

Resale market, not a builder market

Evergreen
NeutralMinor impact
SignificanceRadius: Community

River Cove is built out, so value here turns on the condition, updates, and lot of individual resale homes rather than competition with new construction nearby.

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 River Cove, 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 River CoveGet a short monthly email when something new is approved, funded, or opens near River Cove.

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

    1

    Pull the specific parcel's record with the Duval County Property Appraiser to confirm year built, square footage, lot lines, and whether any deed restrictions or a voluntary association apply.

    2

    Confirm the FEMA flood zone for the exact address and get a bindable homeowners and, if applicable, flood insurance quote before you make an offer.

    3

    Get a thorough inspection focused on roof age, plumbing, electrical, and HVAC on any older resale home.

    4

    Verify the zoned elementary, middle, and high schools by the home's address with Duval County Public Schools, since attendance zones change.

    5

    If river or cove proximity matters, confirm on the parcel and by survey whether the home actually has usable water access or view, rather than assuming it from the community name.

    Best Buy
    A structurally sound brick home with updatable systems on a good lot, priced to leave room for renovation.
    Biggest Risk
    Underestimating the cost of updating an older home, or overlooking flood zone and insurance exposure near the water.
    Best Lot
    Prioritize a usable, well-positioned lot; verify any claimed river or cove access or view on the parcel and survey.
    Smart Timing
    Resale-driven. Inventory is thin and individual, so move when the right home condition and lot appear.
    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

    Established single-family resale

    Era

    Housing stock is established; exact build year not independently confirmed, verify on the parcel record

    Construction

    Brick single-family homes, mostly one-story

    Lots

    Standard to larger lots; some along a cove or tributary of the St. Johns River

    Costs & Fees

    HOA

    Status not independently confirmed; confirm any deed restrictions on the parcel

    CDD

    None identified; confirm on the parcel tax record

    Property use

    Primary residences

    Amenities

    Public

    Jacksonville Arboretum and Gardens nearby; river or cove access on some parcels

    Status

    Public, not an HOA amenity; verify hours with the City of Jacksonville

    Location

    Area

    Fort Caroline area of Arlington, Jacksonville, Duval County

    Downtown Jacksonville

    About 20 to 25 min (approximate)

    Airport (JAX)

    About 25 to 30 min (approximate)

    The takeaway

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

    The Entry

    At the entry tier you are generally looking at original-condition brick homes that have not been updated, where the value is in the bones and the renovation upside. Expect to budget for roof, systems, and cosmetic updates.

    Lowest entry
    The Core

    In the core of the market you find updated single-story brick homes with refreshed kitchens, baths, and mechanicals on solid lots. This is the typical move-in resale in the neighborhood.

    Most inventory
    The Top

    At the top are the larger, more fully renovated homes and any with a position directly on the cove or river. Confirm the condition, square footage, and any water access or view on the specific parcel.

    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
    At the entry tier you are generally looking at original-condition brick homes that have not been updated, where the value is in the bones and the renovation upside. Expect to budget for roof, systems, and cosmetic updates.
    The Core
    In the core of the market you find updated single-story brick homes with refreshed kitchens, baths, and mechanicals on solid lots. This is the typical move-in resale in the neighborhood.
    The Top
    At the top are the larger, more fully renovated homes and any with a position directly on the cove or river. Confirm the condition, square footage, and any water access or view on the specific parcel.

    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 conditionVaries by home
    Roof and systems ageVerify age
    Renovation upsideStrong on older homes
    Lot positioningEstablished
    Flood zone exposureVerify by parcel

    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 River Cove

    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 a builder price sheet, it is the individual home: its condition, its updates, and its lot.

    Jon Brooks · Founder, Momentum Realty
    6.1C+ · Buy Score
    Resale Strength6.2/10
    Renovation Risk5.5/10
    Location Efficiency6.8/10
    Long-Term Defensibility5.8/10
    Carrying Cost Advantage6.0/10

    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 River Cove 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
    • Lots are generally standard to larger; condition of the home varies widely.
    • The lot and any usable river or cove proximity are the durable differentiators here.
    • Verify claimed water frontage or view on the parcel and by survey.
    • Check the FEMA flood zone; water proximity affects insurance cost.
    • Quieter interior lots away from through streets tend to hold appeal.

    In an established, built-out neighborhood the building is decades old, so the durable difference between two homes is the lot and its position. Larger, well-positioned lots and any usable, verified water access or view hold value best, while homes on busier roads or in flood-prone spots tend to lag. Because this is a resale market, treat the lot and the FEMA flood zone as core parts of your value math alongside the home's condition, and confirm any claimed cove or river access or view on the parcel and survey rather than assuming it from the community name.

    River Cove in 15 seconds.

    Best forBuyers who want an established Fort Caroline area home near the St. Johns River.
    Biggest advantageA settled, built-out location near the Jacksonville Arboretum and Gardens and the St. Johns River.
    Biggest riskOlder-home costs (roof, systems) and flood or insurance exposure near the water.
    Sweet spotA sound brick home with updatable systems on a good lot, priced with room to renovate.
    Avoid ifYou need new construction, modern systems, or a gated, amenitized HOA community.

    HOA, CDD & Fees

    15-Second Take
    • HOA status not independently confirmed; verify deed restrictions on the parcel.
    • No CDD was identified, but confirm it on the parcel tax record.
    • The Jacksonville Arboretum and Gardens nearby is public, not an HOA amenity.
    • Older homes mean roof and systems age vary; inspect carefully.
    • Check the FEMA flood zone and insurance cost near the water.

    HOA status was not independently confirmed for River Cove. Confirm whether a mandatory or voluntary homeowners association, and any recorded deed restrictions, apply to the specific parcel before you rely on it.

    With HOA status unconfirmed, do not assume association-run amenities or dues here. Nearby recreation, including the Jacksonville Arboretum and Gardens, is public rather than an HOA facility. Confirm any dues or deed restrictions on the parcel.

    There is no golf course or private country club identified in the neighborhood. Nearby recreation is the public Jacksonville Arboretum and Gardens and general river or cove access on some parcels.

    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 River Cove, condition and view decide your number

    Because buyers here are weighing your home against renovated comps and cross-shopping Riverwoods, 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 River Cove home worth?

    Get a no-obligation home value based on real comparable sales in River Cove 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 River Cove on the map →

    Real comps, not an automated estimate.

    Price History: What Homes Here Have Actually Sold For

    Median sale prices in River Cove 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
    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.

    Live market metrics for River Cove 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 River Cove a new-construction community?
    No. It is an established Fort Caroline area neighborhood in Arlington. Homes here are resales, brick single-family construction, mostly one-story.
    What kind of homes are in River Cove?
    Brick single-family homes, generally one-story, on standard to larger lots. Condition ranges from original to fully renovated, so each home should be judged on its own.
    Is there an HOA?
    HOA status was not independently confirmed for River Cove. Confirm any mandatory or voluntary association, and any recorded deed restrictions, on the specific parcel before you rely on it.
    Is there a CDD bond on the taxes?
    No Community Development District was identified for this neighborhood. Confirm CDD status on the specific parcel's tax record with the Duval County Property Appraiser before you rely on it.
    Are the homes on the water?
    Some parcels sit along a cove or tributary of the St. Johns River, but direct, usable water access or view varies parcel by parcel. Confirm on the specific parcel and by survey rather than assuming it from the community name.
    What should I check before buying an older home here?
    Focus on roof age, plumbing, electrical, and HVAC, since these vary widely across the neighborhood's older homes. Get a thorough inspection and budget for updates.
    Is the area in a flood zone?
    Parts of the Fort Caroline area sit near the St. Johns River and its coves. Flood zone designation and flood insurance cost are address-specific, so confirm the FEMA flood zone and get a bindable insurance quote for the exact home.
    What amenities are nearby?
    The Jacksonville Arboretum and Gardens sits nearby as a public amenity rather than an HOA-run facility. Verify current hours and access with the City of Jacksonville.
    What schools serve the neighborhood?
    It is in Duval County Public Schools, with Sandalwood High School commonly serving the ZIP 32225 area at the high-school level. The zoned elementary, middle, and high schools should be verified by the specific address, since attendance zones change.
    How is the commute to downtown Jacksonville?
    Downtown Jacksonville is roughly a 20 to 25 minute drive by way of the Arlington Expressway and Mathews Bridge corridor, depending on the exact location and traffic. Other drive times on this page are approximate estimates.
    How far is the Jacksonville Arboretum and Gardens?
    The Arboretum, at 1445 Millcoe Road, is a short drive from the neighborhood, generally under 5 minutes depending on the exact address.
    Is Duval County still growing?
    Yes. Duval County has continued to add residents in recent years, which supports underlying housing demand across established Jacksonville neighborhoods.
    Is River Cove gated or age-restricted?
    There is no verified information that the neighborhood is gated, and it is not marketed as age-restricted or 55 plus. It is an established, open residential neighborhood.
    What is the biggest risk of buying here?
    Underestimating the cost of updating an older home, or overlooking flood zone and insurance exposure near the water. Both are manageable with a thorough inspection and address-specific insurance quotes.
    Should I get my own agent to buy a resale here?
    Yes. In a resale market an experienced agent helps you judge condition, updates, lot, and flood exposure against genuinely comparable sales and represents your interests in the negotiation.
    How current is the market data on this page?
    This page will fill in with live realMLS data as sales in the neighborhood accrue. Until then, treat market figures as thin, and always confirm price and condition against genuinely comparable homes before you make an offer.
    Who is the best real estate agent for River Cove?
    The best agent for River Cove 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 River Cove.
    How do I find a top Jacksonville real estate agent who knows River Cove?
    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 River Cove and the wider Jacksonville area.
    Can Momentum Realty connect me with an agent for River Cove?
    Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your River Cove purchase or sale - no call center and no pressure.
    You want an established Fort Caroline area home near the St. Johns River.Excellent fit
    You are comfortable updating or renovating an older resale brick home to build in value.Excellent fit
    You value proximity to the Jacksonville Arboretum and Gardens and a shorter drive to downtown.Excellent fit
    You will do the homework on flood zone, insurance, and the age of roof and systems.Excellent fit
    You need new construction with a builder warranty and modern systems.Probably not
    You want a gated, amenitized HOA community with a pool and clubhouse.Probably not
    You cannot budget for updates on an older home or absorb flood and insurance costs near the water.Probably not
    You need a large pool of identical new homes for easy price comparison.Probably not

    Get the inside read on River Cove

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

    Median sale price in River Cove, 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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