Water Bluff
Shores Homes for Sale in Jacksonville, FL

Established Water Bluff Shores resale market · Jacksonville · ZIP 32218

An established creekside neighborhood along Dunn Creek in the Oceanway area of north Jacksonville, developed beginning in the late 1960s, priced for buyers who want larger lots and no mandatory HOA close to the St. Johns River.

Established resaleNorth Jacksonville (Oceanway)Creekside lots
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 size, and any creek frontage drive value more than a single headline number. Verify specifics by address.
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Unlock Off-Market Oceanway

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
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1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Water Bluff Shores is a resale play on an established creekside neighborhood in the Oceanway area of north Jacksonville, not a builder market. Development along Water Bluff Drive dates to the late 1960s, and the defining feature is Dunn Creek, a tributary that reaches the St. Johns River. Lots here run larger than typical Jacksonville subdivisions, from around half an acre to more than an acre in places, and no mandatory homeowners association was identified, so carrying costs beyond taxes and insurance are limited. Because homes span multiple decades of construction, condition, updates, and any verified creek frontage matter more than any single number. Confirm flood zone and insurance on any home near the water before you underwrite it."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Water Bluff Shores is an established, mostly single-family neighborhood in the Oceanway area of north Jacksonville, in Duval County, with development along Water Bluff Drive dating back to the late 1960s and continuing in later decades. The neighborhood sits along Dunn Creek, a tributary that connects to the St. Johns River, and several lots back directly to the water. Because these are resale homes built across multiple decades rather than a single builder release, each one trades on its own condition, updates, and lot rather than on a price sheet.

Homes here run generally midsize, with square footage that has ranged roughly 1,300 to 2,300 or more depending on the home and any additions, and lots are notably larger than a typical Jacksonville subdivision, from around half an acre up to more than an acre in places. No mandatory homeowners association was identified for the neighborhood, which is consistent with its era of development, so buyers should verify any recorded deed restrictions on the specific parcel rather than assume HOA rules apply.

The bigger picture is location. Oceanway sits on Jacksonville's north side, within reach of the St. Johns River, Interstate 295, and the growth corridor near Jacksonville International Airport. Because several lots front or back to Dunn Creek, verify the FEMA flood zone, insurance cost, and any claimed water access on the specific parcel before you underwrite a purchase here.

Best for

  • Buyers who want an established creekside neighborhood with larger lots in north Jacksonville
  • Buyers comfortable verifying an older home's condition and systems parcel by parcel
  • Buyers who value acreage-style lots and no mandatory HOA close to the St. Johns River

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 creek frontage on a specific parcel

How Oceanway 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 Water Bluff Shores update as realMLS listings and sales post. Figures shown reflect current recorded activity; confirm specifics by address.

Live from realMLS, as of July 10, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Oceanway 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 Water Bluff Shores 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.

Jacksonville International Airport (JAX)10 to 15 min · approximate
Downtown Jacksonville20 to 25 min · approximate
Interstate 295 (North segment)5 to 10 min · approximate
River City Marketplace10 to 15 min · approximate
Jacksonville beaches35 to 45 min · approximate
Naval Station Mayport35 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

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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
Oceanway (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

Oceanway 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

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

Middle

Highlands Middle School or Oceanway School (verify by address)

Elementary

Oceanway Elementary School (verify by address)

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

The takeaway

The story here is water and space. Water Bluff Shores sits along Dunn Creek in Jacksonville's Oceanway area, offering larger lots and creek frontage without the amenity build out of a newer HOA community.

Recent Developments in Water Bluff Shores

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

Net OutlookBullishNet stable for an established neighborhood, with value tied to individual home condition, lot size, and any documented creek access. Confirm flood zone and insurance near the water.

North Jacksonville growth corridor

Evergreen
BullishNotable impact
SignificanceRadius: Region

Jacksonville's north side, including the Oceanway and Airport Road corridor near Interstate 295, has continued to see residential and commercial growth, supporting demand for established creekside neighborhoods with larger lots.

Flood zone and insurance near Dunn Creek

Evergreen
NeutralNotable impact
SignificanceRadius: Community

Because Water Bluff Shores borders Dunn Creek, flood zone designation and flood insurance cost are real, address specific line items. Confirm the FEMA flood zone and get a bindable quote before committing to a specific home.

Established resale market, not new construction

Evergreen
NeutralNotable impact
SignificanceRadius: Community

Water Bluff Shores is largely built out, so there is no builder competing with new phases inside the neighborhood. Value turns on the condition, updates, and lot of each individual resale home rather than on new releases 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 Water Bluff Shores, 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 Water Bluff ShoresGet a short monthly email when something new is approved, funded, or opens near Water Bluff Shores.

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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 Oceanway, 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 size, and any recorded deed restrictions.

    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, since these vary widely across the neighborhood's older homes.

    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 creek frontage matters, confirm on the parcel and by survey whether the home actually borders Dunn Creek, rather than assuming it from the area.

    Best Buy
    A structurally sound home on a larger, usable lot, priced to leave room for updates.
    Biggest Risk
    Underestimating older-home update costs, or overlooking flood zone and insurance exposure near Dunn Creek.
    Best Lot
    Prioritize lot size and any verified creek frontage; confirm both on the parcel and by 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, development dating to the late 1960s

    Era

    Multi-decade construction; verify year built by parcel

    Construction

    Predominantly single-story frame and block homes

    Lots

    Larger lots than typical, several on or near Dunn Creek

    Costs & Fees

    HOA

    No mandatory HOA identified; confirm any deed restrictions on the parcel

    CDD

    None identified; confirm on the parcel tax record

    Property use

    Primary residences

    Amenities

    Public

    Oceanway Park and nearby Dunn Creek access; verify hours and access with the City of Jacksonville

    Status

    City or public recreation, not an HOA amenity

    Location

    Area

    Oceanway, north Jacksonville, Duval County

    Airport (JAX)

    About 10 to 15 min (approximate)

    Downtown Jacksonville

    About 20 to 25 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 homes that have not been updated, where the value is in the lot 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 homes with refreshed kitchens, baths, and mechanicals on larger 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 verified Dunn Creek frontage. Confirm the condition, square footage, and any water access 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 homes that have not been updated, where the value is in the lot 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 homes with refreshed kitchens, baths, and mechanicals on larger 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 verified Dunn Creek frontage. Confirm the condition, square footage, and any water access 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 size and creek settingLarger than typical
    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 Oceanway

    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 lot and the water: size, condition, and any verified creek frontage.

    Jon Brooks · Founder, Momentum Realty
    6.1C+ · Buy Score
    Resale Strength5.8/10
    Renovation Risk5.2/10
    Location Efficiency5.8/10
    Long-Term Defensibility5.6/10
    Carrying Cost Advantage6.8/10

    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 Oceanway 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 run notably larger than a typical Jacksonville subdivision.
    • The lot size and any usable creek access are the durable differentiators here.
    • Verify claimed Dunn Creek frontage on the parcel and by survey.
    • Check the FEMA flood zone; creek proximity affects insurance cost.
    • Interior lots away from the creek and busier roads tend to hold steady appeal.

    In an established, built out neighborhood the building is decades old in most cases, so the durable difference between two homes is the lot, its size, and its position relative to Dunn Creek. Larger, well positioned lots with any usable, verified creek access tend to hold value best, while homes in flood prone spots need careful underwriting. Because this is a resale market spanning multiple decades, treat lot size and the FEMA flood zone as core parts of your value math alongside the home's condition, and confirm any claimed creek frontage on the parcel and survey rather than assuming it from the area.

    Oceanway in 15 seconds.

    Best forBuyers who want an established creekside home with larger lots in north Jacksonville.
    Biggest advantageLarger lots and Dunn Creek frontage close to the St. Johns River, without a mandatory HOA.
    Biggest riskOlder-home update costs and flood or insurance exposure on parcels near the creek.
    Sweet spotA sound home with updatable systems on a larger 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
    • No mandatory HOA identified; confirm deed restrictions on the parcel.
    • No CDD was identified, but confirm it on the parcel tax record.
    • Lots run larger than a typical subdivision, several near Dunn Creek.
    • Older homes mean roof and systems age vary; inspect carefully.
    • Check the FEMA flood zone and insurance cost near the creek.

    No mandatory homeowners association was identified for Water Bluff Shores, consistent with its late 1960s era of development. Confirm whether any voluntary neighborhood association or recorded deed restrictions apply to the specific parcel before you rely on it.

    With no mandatory HOA identified, there are generally no association dues or association run amenities to budget for here. Confirm any voluntary dues or deed restrictions on the parcel.

    There is no golf course or private country club in the neighborhood.

    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 Oceanway, condition and view decide your number

    Because buyers here are weighing your home against renovated comps and cross-shopping Eagle Bend, 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 Oceanway home worth?

    Get a no-obligation home value based on real comparable sales in Oceanway 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 Water Bluff Shores on the map →

    Real comps, not an automated estimate.

    Price History: What Homes Here Have Actually Sold For

    Median sale prices in Water Bluff Shores 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 Water Bluff Shores 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 Water Bluff Shores a new construction community?
    No. It is an established neighborhood in the Oceanway area of north Jacksonville, with development dating to the late 1960s. Homes here are resales spanning multiple decades of construction, and each should be judged on its own.
    What kind of homes are in Water Bluff Shores?
    Predominantly single story homes on larger lots than a typical Jacksonville subdivision, generally midsize, with condition ranging from original to fully renovated.
    Is there an HOA?
    No mandatory homeowners association was identified for Water Bluff Shores, consistent with its era of development. Confirm any voluntary association or 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, which predates the CDD era. 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?
    The neighborhood borders Dunn Creek, a tributary that connects to the St. Johns River, but direct, usable water access varies by parcel. Confirm on the specific parcel and by survey rather than assuming it from the area.
    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, as this is where resale value is won or lost.
    Is the area in a flood zone?
    The neighborhood borders Dunn Creek. 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.
    How big are the lots?
    Lots here generally run larger than a typical Jacksonville subdivision, from around half an acre up to more than an acre in places. Verify the exact lot size on the parcel record.
    What schools serve the neighborhood?
    It is in Duval County Public Schools, with First Coast High School in the immediate area. 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 and the airport?
    Jacksonville International Airport is a short drive, roughly 10 to 15 minutes, while downtown Jacksonville runs roughly 20 to 25 minutes depending on the exact location and traffic. Other drive times on this page are approximate estimates.
    What is nearby?
    The neighborhood sits in the Oceanway area of north Jacksonville, near the Interstate 295 and Airport Road growth corridor and within reach of the St. Johns River. Retail near River City Marketplace is a short drive.
    Is Water Bluff Shores 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 on parcels near Dunn Creek. 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, lot size, updates, 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 Water Bluff Shores?
    The best agent for Water Bluff Shores 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 Water Bluff Shores.
    How do I find a top Jacksonville real estate agent who knows Water Bluff Shores?
    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 Water Bluff Shores and the wider Jacksonville area.
    Can Momentum Realty connect me with an agent for Water Bluff Shores?
    Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Water Bluff Shores purchase or sale - no call center and no pressure.
    You want an established creekside home with larger lots in north Jacksonville.Excellent fit
    You are comfortable verifying condition, updates, and systems parcel by parcel on an older home.Excellent fit
    You value lot size and no mandatory HOA close to the St. Johns River.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 creek.Probably not
    You need a large pool of identical new homes for easy price comparison.Probably not

    Get the inside read on Oceanway

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

    Median sale price in Water Bluff Shores, 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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