Settlers Creek
Homes for Sale in Jacksonville, FL
All 3,939 homes for sale in Jacksonville, FL · median $299,850 · 74 homes for sale in 32222 · Duval County homes for sale
True comps, carrying-cost math, and listings before the portals.
Settlers Creek is a community in Jacksonville, Duval County, FL (ZIP 32222). Across Jacksonville as a whole, 8,790 homes closed in the last 12 months at a median of $310,000, 43 median days on market, with 2,398 homes for sale today. At that median and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $5,540 ($4,800 with the full homestead exemption).
The honest starting point on Settlers Creek is that the current MLS snapshot is thin: as of mid-July 2026 we have no median price, no active count, and no community amenities identified from live listings. That means price here isn't being set by a headline number I can point to — it's being set deal by deal, by the condition and specifics of whatever individual home is on the market when you're looking.
For a buyer, that argues for patience and comparison rather than reacting to a single listing. For a seller, it means your home is competing on its own merits, not riding a well-established comp trail, so presentation and pricing discipline carry more weight than usual. We'd want to pull fresh, address-level data before either side commits to a number.
The 60-Second Overview
Settlers Creek is a Jacksonville community in Duval County where the current listing feed is quiet, so the smartest move is to treat each available home as its own case rather than assuming a fixed market rate.
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 Settlers Creek is best for.
Best for
- Buyers comfortable evaluating a home on its own condition and location rather than a community amenity package
- Sellers willing to price with discipline off live, address-level comparables
- Patient shoppers who want room to negotiate in a quieter listing environment
Probably not for
- Buyers who need a shared amenity set to justify the purchase
- Anyone who wants a fixed, predictable market price before making a move
- Sellers hoping to ride an established, fast-moving comp trail
The market around Settlers Creek
Settlers Creek is too small for its own price trend, so here is the market around it.
In ZIP 32222, 86 homes are on the market and 24% are under contract — a steady corner of Jacksonville.
Across Duval County, 2,814 homes are active and 1,188 pending (30% under contract).
In ZIP 32222 (Jacksonville), 326 homes closed in the last 12 months at a median of $328K ($163/sq ft), down 2.0% year over year, with a median 47 days on market. Right now 33 active and 16 pending listings put supply at about 2.3 months — a healthy market. See the live ZIP 32222 housing market and the Duval County market.
ZIP and county figures describe the wider market, not Settlers Creek specifically. Momentum Research analysis of MLS records.
The Settlers Creek buying strategy.
If we were buying in Settlers Creek 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 Settlers Creek.
Reading a thin market
With no shared amenities surfacing from current MLS listings and no median to anchor to, Settlers Creek asks more homework of both sides of a transaction. The absence of an amenity list isn't a knock on the community — it simply means the value case rests on the home itself: layout, condition, lot, and location within Duval County rather than on a marketed clubhouse or shared feature.
Practically, that puts a premium on live data. Before writing an offer or setting a list price, we'd rather look at what's actually moving nearby right now than lean on stale assumptions. The quieter the feed, the more each individual comp matters.
The location and the amenities are priced into every listing in Settlers Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When the public snapshot is this thin, our value is in the legwork: pulling fresh, address-level comparables, walking the specific home, and telling you plainly when the numbers don't support the price. We won't manufacture a market read that the data doesn't yet give us — we'll go get the data.
Settlers Creek 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 Settlers Creek 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 Settlers Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Settlers Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Settlers Creek home worth?
Get a no-obligation home value based on real comparable sales in Settlers Creek, 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 Settlers Creek on the map →
Should you buy in Settlers Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-07-12 |
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 sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live your area comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Settlers Creek fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Settlers Creek. These are the public schools most often assigned to other communities in ZIP 32222; zones change and vary by address, so confirm with the district before you buy.
- Westside High School · 9-12 · FLDOE grade I (assigned to 16 nearby communities)
- Chaffee Trail Middle School · 6-8, Westside · FLDOE grade C (assigned to 8 nearby communities)
- Charger Academy · middle (assigned to 4 nearby communities)
- Chaffee Trail Elementary School · PreK-5 · FLDOE grade B (assigned to 4 nearby communities)
- Chimney Lakes Elementary School · (zoned; confirm by address) · FLDOE grade A (assigned to 4 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Settlers Creek
Where is Settlers Creek?
Settlers Creek is a community in Jacksonville, Duval County, Florida, ZIP 32222.
Are there homes for sale in Settlers Creek right now?
No active listings inside Settlers Creek at the last feed refresh. In ZIP 32222, 86 homes are on the market and 24% are already under contract.
Does Settlers Creek have an HOA or CDD?
No HOA is on record for Settlers Creek in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.