Saddle Oaks
Homes for Sale in Jacksonville, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of LENNAR REALTY INC · via realMLS
Saddle Oaks (Jacksonville, FL): Homes, Prices & What to Know (Q4 2026 update)
Saddle Oaks is a Jacksonville community with a $330K median sold price, down 3.2%, and 40 median days to sell. Numbers from realMLS, county property appraisers and public records, listings updated nightly on this page.
2 min 6 s · Momentum Realty on YouTube · data from realMLS, county property appraiser, Citizens, FEMA · Equal Housing Opportunity
Key moments
- 0:00 Saddle Oaks in one number
- 0:14 The community at a glance
- 0:33 The Saddle Oaks market right now
- 0:55 What it means if you are buying
- 1:20 What it costs to own
- 1:53 Get alerts when new homes list
Transcript
Saddle Oaks, in Jacksonville, is a Duval County community where the median sold price is 330,000 dollars, down 3 point 2 percent, and homes take a median of 40 days to sell. Here's what that means if you're watching this one.
Saddle Oaks is a neighborhood in Jacksonville, in Duval County. Over the last 10 years it has averaged about 74 sales a year, and 88 homes sold in the last 12 months. Every number in this video comes from the community page at move with momentum dot com, from realMLS and public records.
In the last 12 months, 88 homes sold at a median of 330,000 dollars, down 3 point 2 percent on 88 sales against 92. That's 167 dollars a square foot, below a 2025 peak of 170, at 97 point 4 percent of asking. Right now 20 homes are listed and 18 are pending.
47 percent of homes here are under contract, against 26 percent across Duval County, which typically means more competition for the homes that list. That's typical, not a promise. Homes here have sold at 97 point 4 percent of asking, against 96 point 2 percent for the county, so compare each home to recent closings, not to asking prices. Verify whether an HOA or a CDD applies.
Ask for the current tax bill, and remember that Florida resets the assessed value after a sale, so the seller's bill usually isn't what you'll pay. Of the homes listed or recently sold here, 49 of 49 report an HOA, at a median of 88 dollars a month, so ask what the dues cover, and whether a CDD assessment applies. Of 34 listing addresses checked against the FEMA flood map, 94 percent sit outside the high-risk zone; still check the map by address, and get insurance quoted by address.
Get an email the moment new homes list: the alerts box is on the Saddle Oaks page at move with momentum dot com, updated every night. I'm Jon Brooks with Momentum Realty.
Homes For Sale Right Now in Saddle Oaks
Live MLS inventory for Saddle Oaks. 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 · 81 daysTop listing
Active · 37 days
Active · 85 days
Active · 43 days
Active · 85 days
Active · 1 days
Active · 1 days
Active · 81 days
Active · 208 days
Active · 99 days
Active · 40 days
Active · 59 days
Active · 1 days
Active · 43 daysActive and pending Saddle Oaks listings as of 2026-11-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Saddle Oaks is a single-vintage new-construction community in Jacksonville, with every home in the MLS record built in 2024. That matters for pricing: at a $335,735 median and $161.98 per square foot on a median 2,538 square feet, the number you're seeing reflects builder-era construction and finish packages, not a decades-wide mix of renovation states the way older Duval County subdivisions price out.
Supply is thin — 16 active listings against 184 total homes, with 2.1 months of supply, which is why this reads as a seller-leaning market. Median days on market sits at just over 29 days, and year-over-year price movement is essentially flat, down 0.9%. For a buyer, that combination means less room to negotiate on a well-priced, well-finished listing; for a seller, it means pricing at or near recent comps still tends to move within a month.
Figures in this note are as of July 14, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Saddle Oaks right now
🟡 Balanced market. 3.1 months of supply and 39% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of November 14, 2026. Confidence: Very High (36 active and pending listings, 85 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($333K) is down 0.7% from the prior 12 months ($336K).Momentum Research, record-level realMLS closed sales, 12-month windows ending November 14. Confidence: Very High (85 and 96 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Saddle Oaks market snapshot (as of November 14, 2026): the median sale price is about $333K ($170 per sq ft over the trailing 12 months of closed sales), a median 54 days on market for closed sales, and 3.1 months of supply, a balanced market. The trailing-12-month median is down 1% from the prior 12 months, computed from record-level realMLS closed sales (85 closings in the current window).
Because Saddle Oaks was built out in a single year, buyers are comparing apples to apples on construction era rather than weighing an older home against a newer one — the differentiators here are lot, finish level, and floor plan rather than age of the structure.
The setting & the homes.
Aerial and on-site photos of Saddle Oaks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Saddle OaksPhotos from realMLS listings in Saddle Oaks; content deemed reliable but not guaranteed.
Who Saddle Oaks is best for.
Best for
- Buyers who want a home built in 2024 rather than an older resale and are budgeting near the current $335,735 median.
- Buyers prioritizing HOA-maintained amenities like a pool, clubhouse, and dog park, who will independently confirm current access with the HOA.
- Sellers who can price at or near recent comps and want a market where 2.1 months of supply favors a listing that's positioned correctly.
Probably not for
- Buyers who want a wide range of price points or construction eras to choose from — with all homes from 2024, that variety isn't here.
- Buyers who want a large active inventory to browse before deciding — 16 listings is a narrow pool.
- Buyers expecting significant negotiating room; a seller-leaning market with 29-day median days on market leaves less room to work with.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending November 14 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($333K) IS the median in the snapshot above, and the move from 2025 ($336K) IS the -0.7% one-year change.
Windows contain 49 to 96 sales each (85 in the current window); every figure carries its sample size. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
32% of homes for sale in ZIP 32219 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 (2026-11-14).
Saddle Oaks Market Scorecard
Saddle Oaks is currently a balanced market. About 3.1 months of supply, a median asking price of $344,490, and homes go under contract in about 43 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Saddle Oaks 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 contributors.
Life at Saddle Oaks
- Pool · reported on 34 of 41 listings
- Trash · reported on 33 of 41 listings
- Playground · reported on 20 of 41 listings
- Dog Park · reported on 18 of 41 listings
- Park · reported on 10 of 41 listings
- Water · reported on 6 of 41 listings
- Clubhouse · reported on 4 of 41 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Saddle Oaks are close: the nearest groceries is about 4 minutes away.
- Beauty in royalty · Groceries4 min
- West Lake · Parks4 min
- Oxtail Spot · Dining8 min
- Crystal Springs Plaza · Shopping15 min
- Children's Services · Health15 min
- Trinity Plaza & Indoor Playground · Coffee16 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Duval County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Garden City Elementary SchoolFLDOE grade C · PreK-5
- Highlands Middle SchoolFLDOE grade C · 6-8
- Jean Ribault High SchoolFLDOE grade A · 9-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year 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 Saddle Oaks address.
Recent Developments in Saddle Oaks
Development, infrastructure, retail, and school activity affecting Saddle Oaks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Development
Downtown board backs $49M incentive for 31-story Fleet Landing Riverside tower
The Downtown Investment Authority voted 7-0 on Oct. 21 to advance a $49.27 million, 20-year, 75% Recapture Enhanced Value Grant for Fleet Landing Riverside. The 31-story senior living tower is proposed at 111 Riverside Ave., the former Haskell headquarters site in Brooklyn. The item now goes to City Council.
What it may mean for the marketA large residential tower on the Riverside Avenue corridor would add construction activity and daily foot traffic to Brooklyn and the nearby Northbank, supporting nearby retail and dining demand. The project is about 12 miles southeast of Saddle Oaks, elsewhere in Duval County.
Source: Jacksonville Today - October 2026Civic
Sheriff's Office moves into new Brooklyn headquarters, leaving East Bay Street building's future open
The Jacksonville Sheriff's Office showed its new headquarters at 532 Riverside Ave., a former Florida Blue building. It occupies about 346,000 square feet on 11 of 19 floors, and leasing plus renovation cost more than $20 million per the mayor. The 1974 Police Memorial Building at 501 E. Bay St. is left for the city to reuse or demolish.
What it may mean for the marketA large public tenant anchoring Riverside Avenue adds weekday activity in Brooklyn, while the vacated Bay Street building raises a redevelopment question for the east end of downtown. The project is about 12 miles southeast of Saddle Oaks, elsewhere in Duval County.
Source: Jacksonville Today - October 2026Market
Northeast Florida home sales dip in September as inventory tightens
Closed sales across the six-county Northeast Florida Association of Realtors area fell 7.7% year over year to 1,608, with the median price at $398,566, up 2.8%. Active inventory dropped 18.4% to 6,348 homes. Median prices were $344,000 in Duval, $575,000 in St. Johns, $355,000 in Clay and $496,500 in Nassau.
What it may mean for the marketLower inventory with softer sales volume points to a thinner supply of listings across all four counties, with Clay the only one of the four showing a year-over-year price decline. The site is about 12 miles southeast of Saddle Oaks.
Source: Clay Today - October 2026Development
FSCJ opens large automated semiconductor training lab, a first for Florida
Florida State College at Jacksonville has built a fully automated lab it describes as the first of its kind in Florida for its size. Students train on electrical, robotics, mechatronics, AI inspection and control systems used in chip manufacturing. The college says it aims to help draw semiconductor companies to Northeast Florida and prepare workers for local manufacturers.
What it may mean for the marketA regional technical-training pipeline can support recruitment of advanced manufacturers, which would widen the local employment base. The project is about 12 miles southeast of Saddle Oaks, elsewhere in Duval County.
Source: News4JAX - October 2026Retail & Dining
Council committee defers vote on incentives for Downtown Publix at 119 W. Beaver St.
The Finance Committee deferred a $49.65 million incentive package for Gateway Jax's $140.15 million high-rise anchored by a Publix at 119 W. Beaver St. The tower is planned with 259 apartments and about 400 parking spaces. The committee is scheduled to revisit the bill Nov. 4, the day after the Amendment 3 vote.
What it may mean for the marketThe timing of the first full-size grocery store in the Downtown core depends on the incentive vote, affecting nearby retail access. The project is about 12 miles southeast of Saddle Oaks, elsewhere in Duval County.
Source: Jacksonville Today - September 2026Development
Downtown review board approves concept for first new University of Florida graduate campus building in LaVilla
The Downtown Development Review Board voted 7-0 on Sept. 10 for a six to eight story, roughly 185,000 square foot academic building on a 2.34-acre site bounded by West Bay, Forsyth and North Lee streets. It is the first new building in a multiphase UF graduate and semiconductor institute campus estimated at $345 million. UF hopes to break ground in December, pending final design review and permitting.
What it may mean for the marketA large graduate campus adds education and technology jobs and daytime foot traffic to the western Downtown core. The project is about 12 miles southeast of Saddle Oaks, elsewhere in Duval County.
Source: Jacksonville Today
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.
The Saddle Oaks buying strategy.
If we were buying in Saddle Oaks 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 Saddle Oaks.
A new-build price floor, not a legacy one
With a median living area of 2,538 square feet and $161.98 per square foot, Saddle Oaks prices closer to current construction cost and builder margin than to the wider spread you'd find in a resale-heavy neighborhood. That's worth knowing going in: the median $335,735 figure isn't an entry price and it isn't a ceiling — it's simply the midpoint of what has traded, and with only 16 active listings, any single listing can move that midpoint more than it would in a deeper market.
About a quarter of homes here (25%) carry a homestead exemption on file, which is one objective signal — alongside the 16-listing active count against 184 total homes — that a meaningful share of the community is held as non-primary-residence property. HOA-reported amenities across listings include a pool, clubhouse, playground, dog park, park, and water access, plus trash service; as with any HOA-run amenity list, confirm current availability and access rules directly with the association before assuming anything is included or open.
The location and the amenities are priced into every listing in Saddle Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Saddle Oaks buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.2). Basis: Recent Direction -0.7% year-over-year; Liquidity & Demand 3.1 months of supply; Owner Commitment 36% owner-occupied; Pricing Power 97.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A 16-listing active pool with 2.1 months of supply is not a market where you can watch from the sidelines and expect the same options to be there in a few weeks. Momentum tracks Saddle Oaks inventory and closed comps as they hit the Duval County MLS feed, so pricing and offer strategy are built on the current 92-home closing window rather than a stale citywide average.
Saddle Oaks in 15 seconds.
HOA, CDD & Fees
- No CDD
- HOA reported ~$258/quarter
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Page states no CDD.
Flood & Insurance Context
Of 8 sampled listing addresses: 88% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 12% in an A-series SFHA zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=8) · as of 2026-08
Tools for a Saddle Oaks 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 Saddle Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Saddle Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Saddle Oaks home worth?
Get a no-obligation home value based on real comparable sales in Saddle Oaks, 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 Saddle Oaks on the map →
Ask an agent about Saddle Oaks
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Saddle Oaks will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Saddle Oaks?
How long do homes in Saddle Oaks take to sell?
Is Saddle Oaks a buyer's or seller's market right now?
What share of Saddle Oaks is owner-occupied?
What schools serve Saddle Oaks?
Who is the best real estate agent for Saddle Oaks?
How do I find a top Jacksonville real estate agent who knows Saddle Oaks?
Can Momentum Realty connect me with an agent for Saddle Oaks?
Should you buy in Saddle Oaks?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Saddle Oaks with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: November 14, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending November 14, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 32218/32219)) |
| Under-contract shares | realMLS records, as of 2026-11-14 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2024 (230 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 listings in Northeast Florida sold at 99.1% of final list price vs. 98.6% for the market, in a median 31 days vs. 41 (realMLS, 12 months to Nov 2026). A Momentum agent can price yours against live local comps.
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See how Saddle Oaks fits the bigger picture — live prices, inventory, and Momentum Scores: