Waterfront Terrace
Homes for Sale in Jacksonville, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 2 closed sales in Waterfront Terrace in Jacksonville, FL since 2019, the most recent in February 2020. Across Jacksonville as a whole, 8,846 homes closed in the last 12 months at a median of $305,375, 44 median days on market, with 2,385 homes for sale today. At that median and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $5,460 ($4,720 with the full homestead exemption).
Waterfront Terrace is a small Jacksonville pocket in Duval County, and with the data set this thin, the honest read is that price here is going to be driven by the specific property far more than by any neighborhood-wide trend. We don't have a median, a days-on-market figure, or an active count to lean on as of this snapshot, so treat any listing on its own terms rather than assuming a going rate.
For a buyer, that means condition, lot, and any actual water positioning will do the heavy lifting on value — don't anchor to a number you heard for the area. For a seller, it means pricing off recent comparable closings and the concrete features of your home, not off a neighborhood reputation. When the sample is small, each transaction moves the picture.
The 60-Second Overview
Waterfront Terrace is a compact community within Jacksonville's Duval County market, where individual homes and their locations tell you more than any area-wide average would.
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 Waterfront Terrace is best for.
Best for
- Buyers targeting a particular home and willing to underwrite it on its own condition and lot
- Buyers comfortable pricing off recent comparable sales rather than a published area average
- Sellers who want a comp-driven strategy in a low-volume pocket
Probably not for
- Buyers who need a large pool of active listings to compare before committing
- Buyers who want a clear, established per-square-foot benchmark for the area
- Anyone expecting fast turnover and deep transaction history to guide their offer
The market around Waterfront Terrace
Waterfront Terrace is too small for its own price trend, so here is the market around it.
In ZIP 32217, 113 homes are on the market and 31% are under contract — a fast-moving corner of Jacksonville.
Across Duval County, 3,937 homes are active and 1,726 pending (30% under contract).
ZIP and county figures describe the wider market, not Waterfront Terrace specifically. Momentum Research analysis of MLS records.
The Waterfront Terrace buying strategy.
If we were buying in Waterfront Terrace 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 Waterfront Terrace.
The location and the amenities are priced into every listing in Waterfront Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a small Duval County pocket like this, general market stats can mislead. We work the realmls data property by property and comp by comp, so whether you're buying or selling in Waterfront Terrace you're pricing off what actually closed nearby — not a headline number that doesn't fit the block.
Waterfront Terrace 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 Waterfront Terrace 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 Waterfront Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Waterfront Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Waterfront Terrace home worth?
Get a no-obligation home value based on real comparable sales in Waterfront Terrace, 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 Waterfront Terrace on the map →
Should you buy in Waterfront Terrace?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-08-30 |
| Historical depth | Closed-sale records back to 2019 (2 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 your area 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 Waterfront Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
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.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Duval County scorecard.
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.