The Moore Group
Jacksonville, FL 32208
A 2023-built 3-bed, 2-bath home with 1,220 square feet, a one-car garage and an oak-shaded 0.18-acre lot in Osceola Forest — with no HOA and no CDD.
Listed by Chris Moore, The Moore Group at Momentum Realty · Licensed Florida Real Estate Sales Associate · SL3389080
Built in 2023 and still barely three years old, on a quiet street in Osceola Forest where the lots are wide and the oaks are older than the houses.
Most homes at this price in Jacksonville were built in the 1950s and 60s. This one was finished in 2023, which means the roof, the HVAC, the water heater, the electrical panel and the plumbing are all the original modern installs — not deferred maintenance waiting on a new owner. It sits on 0.18 acres with mature oaks along the rear, in a neighbourhood with no HOA and no CDD, so there is no board approving your fence and no district assessment on the tax bill. It is being sold as a short sale, which means the price is subject to the seller’s lender approving it. That is a real consideration and it is covered in detail further down this page.
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A 2023-built home in North Jacksonville, listed as a short sale at $200,000.
The floor plan is open through the living area, with luxury vinyl plank running throughout — there is no carpet anywhere in the house. The kitchen runs along one wall with dark cabinetry, a stainless range with an over-range microwave, a dishwasher and a stainless refrigerator. There is a dedicated indoor laundry room with wire shelving, and the one-car garage is finished and attached, with the water heater and electrical panel housed there. Out back, an established oak canopy shades a stone fire pit ring, and the air conditioning condenser sits on a concrete pad inside a security cage. A concrete driveway runs to the garage with a separate gravel parking area beside it.
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A full walkthrough of the home, room by room.
A short sale is a normal way to buy a home, but it works differently from a standard purchase in a few ways worth understanding before you write an offer. It mostly comes down to one extra approval and a longer clock.
The seller owes more on the home than it is being sold for. That means the seller cannot simply accept your offer on their own — their lender has to approve the sale too. The seller accepts first, then the file goes to the lender, and the lender has the final say on price and terms. Everything else — inspection, appraisal, financing, closing — works the way it normally does.
Yes. Conventional, FHA and VA financing are all commonly used on short sales. The one thing to watch is your rate lock — because lender approval takes time, a short lock can expire before you reach the closing table. Talk to your loan officer about a longer lock or a float-down option before you write the offer.
Longer than a standard sale, and the honest answer is that it depends on the lender — anyone who quotes you a firm number is guessing. Some files move in weeks, others take months. If you have to be in a home by a specific date, say so up front and we will tell you plainly whether this one is a realistic fit.
Partly. The seller can accept any offer, but the lender is the one approving the final number, and lenders generally work from their own valuation of the property rather than from the list price. A very low offer is more likely to be rejected outright than negotiated.
Yes, and you should. A short sale is not a foreclosure — the seller still owns and occupies the home, and you get the same inspection rights as any other purchase. Expect the property to be sold as-is, meaning repair requests are unlikely to be granted, but you can still walk away during your inspection period.
No. In a foreclosure the bank has already taken the home back and is selling it. Here the seller still owns it and is selling it themselves, with their lender’s approval. In practice that usually means a home that has been lived in and maintained rather than sitting vacant.
The lender can decline the sale, or approve it at a different number than the one the seller accepted. That is the real risk, and it is why the timeline matters — you can spend weeks under contract and still not close. Going in with clear expectations is most of what makes a short sale work.
If a short sale is new to you, ask before you write an offer — not after. Chris will walk you through exactly how this one is set up and tell you honestly whether it fits your timeline.
This is general information about how short sales work, not legal, tax or financial advice. Every lender handles these differently. Buyer to verify all measurements and information.
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Licensed Florida Real Estate Sales Associate with Momentum Realty. Chris Moore brings transparent communication and deep local market knowledge to buyers and sellers across Duval County and Northeast Florida.
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Listing data provided courtesy of RealMLS / Stellar MLS. Information deemed reliable but not guaranteed. Last updated real-time via RESO Web API.
4649 Suray Avenue, Jacksonville, FL 32208