Waterford Estates
Homes for Sale in Jacksonville, FL
All 4,088 homes for sale in Jacksonville, FL · median $299,900 · Duval County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo courtesy of COWFORD REALTY & DESIGN LLC · via realMLS
Over the 12 months ending 2026-10-10, 4 recorded sales closed at a median of $456,500, $211 per square foot, a median 27 days on market, sellers accepting 98% of original asking (-0% versus the prior year). Homes listed or recently sold were built 1997–2003; 4 of 4 report an HOA (median $40/mo); none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 17 ft). At the median price and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $8,160 ($7,420 with the full homestead exemption).
| Location | Jacksonville, Duval County, FL · ZIP 32092, 32258 |
|---|---|
| Amenities listed by sellers | Basketball Court, Pickleball, Playground, Tennis Court(s) |
| Sale prices, last 12 months | $456,500 median across 4 closed sales · $211 per sq ft · -0.2% vs the prior 12 months |
| Days on market (closed sales) | 27 median |
| For sale right now | 0 active, 0 pending |
Data as of October 10, 2026. Data provided by realMLS. Market figures describe homes, not residents. Cite as: Momentum Realty, “Waterford Estates key facts,” movewithmomentum.com/neighborhoods/waterford-estates-jacksonville, data as of October 10, 2026.
Last 30 days in Waterford Estates: 1 closed sale (median $425,000). As of October 11, 2026, realMLS.
Price in Waterford Estates is anchored by build era and finished square footage, not lot scarcity. The 453 homes here span 1996 to 2011, with a median build year of 2002 and a median living area of 2,625 square feet, and the median sale runs $469,000, or about $214 per square foot — a segment priced on condition and size rather than new-construction premiums.
There are zero active listings right now, and the most recent window closed only 8 sales, so there is essentially no inventory to shop from at the moment. Price is roughly flat year over year, down 0.2%, which reads as a pause rather than a reversal given the community is up 156% since 2012 — sellers who do list are working with thin direct comps, and buyers waiting for more choice may be waiting a while.
Waterford Estates right now
🟡 Off the recent peak. The trailing-12-month median ($456K) is down 0.2% from the prior 12 months ($458K) and up 117% since 2012. With about 16 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending October 10. Confidence: Low (4 and 18 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 12, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside Waterford Estates right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Waterford Estates market snapshot (as of October 10, 2026): the median sale price is about $456K ($211 per sq ft over the trailing 12 months of closed sales), and a median 27 days on market for closed sales. The trailing-12-month median is down 0% from the prior 12 months and up 117% since 2012, computed from record-level realMLS closed sales (4 closings in the current window).
In ZIP 32092 (Jacksonville), 2,486 homes closed in the last 12 months at a median of $456K ($213/sq ft), down 2.4% year over year, with a median 43 days on market. Right now 423 active and 206 pending listings put supply at about 9.5 months — a buyer's market. See the live ZIP 32092 housing market and the St. Johns County market.
realMLS (Northeast Florida) sales records identify 226 homes in Waterford Estates that have changed hands since 2001, built between 1997 and 2004 (median 2001), with a median living area of about 2,363 sq ft and a typical 4-bedroom, 2.5-bath layout; 99% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Waterford Estates is a built-out Duval County subdivision with homes dating to 1996-2011 — a mature, single-era product rather than a new-construction competitor — where price tracks condition and finished square footage more than parcel-by-parcel scarcity.
The setting & the homes.
Aerial and on-site photos of Waterford Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Waterford EstatesPhotos from realMLS listings in Waterford Estates; content deemed reliable but not guaranteed.
Who Waterford Estates is best for.
Best for
- Buyers targeting a purchase around the $469,000 median in an established, built-out Duval County subdivision.
- Buyers comfortable moving quickly and decisively once a home lists, given the typical under-30-day time on market.
- Buyers who want a home from a defined 1996-2011 build era, sized near the median 2,625 square feet, over new-construction turnover.
Probably not for
- Buyers who need several active listings to compare side by side before committing — there are none on market right now.
- Buyers with no flexibility below the $469,000 median, since that median is the only price figure available for this segment.
- Investors seeking high-turnover rental stock — 85% of homes here carry a homestead exemption, pointing to owner-occupied use.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 10 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($456K) IS the median in the snapshot above, and the move from 2025 ($458K) IS the -0.2% one-year change.
Windows contain 4 to 26 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
31% of homes for sale in ZIP 32092 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 (2026-10-10).
Waterford Estates Market Scorecard
Waterford Estates is currently a balanced market..
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.
Housing distress & ownership in Waterford Estates, Jacksonville
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Waterford Estates 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, tiles © CARTO.
Life at Waterford Estates
- Basketball Court · reported on 4 of 5 listings
- Playground · reported on 4 of 5 listings
- Tennis Court(s) · reported on 4 of 5 listings
- Pickleball · reported on 4 of 5 listings
- Pool · reported on 4 of 5 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Recent Developments in Waterford Estates
Development, infrastructure, retail, and school activity affecting Waterford Estates, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Market
St. Johns County denies 4,462-acre Palm Valley farmland housing application under new state enclave law
Commissioners denied 3-2 on Sept. 15 the 4,462-acre Palm Valley application near Nocatee under the state agricultural enclave law, and the county plans to fight it in court. Another proposal of nearly 1,200 acres and about 15,000 homes south of St. Augustine was approved in August, then denied 3-2 on Sept. 28. St. Johns County has received 16 applications under the law.
What it may mean for the marketThe outcome of these applications will shape how much new housing supply can be added on rural land in the county. The site is about 10 miles east of Waterford Estates.
Source: Jacksonville Today - October 2026Schools
Loretto Elementary breaks ground on $12.3 million classroom addition
The addition will replace 13 portable classrooms and two aging pod buildings with 15 classrooms, a music room and a teacher planning room, and will expand the parent drop-off loop. The school enrolls 875 students for 2026-27. Funding comes from the voter-approved half-cent sales tax, with opening expected in 2028.
What it may mean for the marketExpanded permanent capacity and a longer drop-off loop affect school-area traffic and classroom availability in the Mandarin area. The project is about 6 miles northwest of Waterford Estates, elsewhere in Duval County.
Source: Hoodline - September 2026Development
UF Health Durbin Park 99-bed hospital opens in northern St. Johns County; Baptist Silverleaf adds emergency department
UF Health Durbin Park, a 99-bed hospital with a 24-hour emergency department on 42.5 acres, held its ribbon-cutting and opens the following week. Baptist Health's Silverleaf campus, about 10 miles south, is adding an emergency department, and AdventHealth and Acadia Health have also opened facilities near I-95. The county's population has grown more than 25% since 2020.
What it may mean for the marketNew hospital and emergency capacity shortens drive times to emergency care and adds healthcare jobs in northern St. Johns County. The site is about 4 miles southeast of Waterford Estates.
Source: Jacksonville Today - June 2026Infrastructure
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
What it may mean for the marketNew limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 13 miles southwest of Waterford Estates.
Source: Jax Daily Record - May 2026Retail & Dining
Grocery-anchored retail center proposed in Durbin Park
A grocery-anchored retail center was proposed at Durbin Park, the large mixed-use development near Interstate 95 and County Road 210 in northern St. Johns County, adding to the district's existing stores, restaurants, and Walmart-anchored core.
What it may mean for the marketAdded grocery and retail at Durbin Park deepens everyday conveniences in northern St. Johns County, an amenity factor that can support demand for surrounding communities. The site is about 5 miles southeast of Waterford Estates.
Source: Jax Daily Record - February 2026Retail & Dining
Durbin Park Walmart plans an expansion
The Walmart anchoring Durbin Park filed plans to expand in early 2026, reinforcing the retail core of the Interstate 95 and County Road 210 district in northern St. Johns County.
What it may mean for the marketInvestment in Durbin Park's retail anchor signals continued commercial strength in northern St. Johns County, which can reinforce the appeal of nearby residential areas. The site is about 5 miles southeast of Waterford Estates.
Source: Jax Daily Record
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 Waterford Estates buying strategy.
If we were buying in Waterford Estates 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 Waterford Estates.
What the resale math says
The typical home here sells in just under a month, a median 28.5 days on market, which for a community currently showing zero active listings suggests demand shows up quickly whenever something does list. About 85% of homes carry a homestead exemption, pointing to a base of owner-occupied properties rather than heavy investor or rental turnover.
On our market heat index the community currently scores 39 — a moderate-to-cool reading consistent with the flat year-over-year price move and the shortage of active inventory. It is not a bidding-war market at the moment, but with nothing currently listed against 453 total homes, it is not a buyer's market with real choice either.
The location and the amenities are priced into every listing in Waterford Estates. 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 Waterford Estates 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 3 factors (7.5). Basis: Long-Term Appreciation +117% since 2012; Recent Direction -0.2% year-over-year; Pricing Power 98.4% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With zero active listings and just 8 closings in the tracked window, Waterford Estates does not generate the deep public comp set that high-turnover subdivisions do. Momentum tracks the realmls feed for Duval County directly and prepares a hand-built valuation rather than leaning on a published estimate, which matters more in a community this thin on current listing data.
Waterford Estates in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $52/month (about $624/yr) · median of 160 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $52 per month ($624 a year) — the median AssociationFee across 160 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 Waterford Estates 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 Waterford Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Waterford Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Waterford Estates home worth?
Get a no-obligation home value based on real comparable sales in Waterford Estates, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in Waterford Estates
Homes in Waterford Estates that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 6 on record.
- 12027 Brandon Lake Drive · off market
- 5333 Liberty Lake Drive · off market
- 5563 Alden Bridge Drive · off market
- 5586 Loon Lake Court · off market
- 5608 Crest Creek Drive · off market
- 5717 S Lake Fern Drive · off market
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Frequently Asked Questions
What is the median home price in Waterford Estates?
How long do homes in Waterford Estates take to sell?
Have Waterford Estates home prices gone up?
Who is the best real estate agent for Waterford Estates?
How do I find a top Jacksonville real estate agent who knows Waterford Estates?
Can Momentum Realty connect me with an agent for Waterford Estates?
Where is Waterford Estates, and what county is it in?
How far is Waterford Estates from downtown Jacksonville and the beach?
Should you buy in Waterford Estates?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 11, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 10, 2026 |
| Under-contract shares | realMLS records, as of 2026-10-10 |
| Historical depth | Closed-sale records back to 2001 (492 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 sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Waterford Estates fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Waterford Estates
- Home values · What homes in Waterford Estates actually sell for
- Find an agent · How to choose the best real estate agent in Waterford Estates
Schools serving nearby communities
We do not have a confirmed school assignment for Waterford Estates. These are the public schools most often assigned to other communities in ZIP 32092 / 32258; zones change and vary by address, so confirm with the district before you buy.
- Pacetti Bay Middle School · Middle (assigned to 41 nearby communities)
- Tocoi Creek High School · High (assigned to 41 nearby communities)
- Mandarin High School · 9-12 · FLDOE grade A (assigned to 22 nearby communities)
- Mill Creek Academy · K-8 (assigned to 15 nearby communities)
- Greenland Pines Elementary School · K-5 · FLDOE grade A (assigned to 14 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Lake Fern Drive (38 homes on record)
- Colby Creek Drive (14 homes on record)
- London Lake Drive (13 homes on record)
- London Lake Drive W (13 homes on record)
- Liberty Lake Drive S (11 homes on record)
- Lake Fern Drive E (7 homes on record)
Nearby Communities
Explore more neighborhoods near Waterford Estates with Momentum Realty’s local guides.