Jacksonville, Florida
A home you can afford. Permanently.
We build new homes in Jacksonville and sell them at prices working families can actually afford.
57 homes available now across 7 neighborhoods
See the homes$25,000
in down payment help available through the city
1 to 8
household sizes covered by the income limits
Forever
how long the homes stay affordable
How it works
You own the home
You hold the deed and build equity, like any homeowner.
The trust owns the land
Taking the land out of the price is what keeps the home affordable.
It stays affordable
The home is sold below market rate, and stays affordable for the next family too.
Built in Jacksonville
New construction in the city's historic neighborhoods.
Building homes. Building hope. Building community.
That is the banner JCLT hangs at every ribbon cutting, and this is what it looks like: a new home on Florida Avenue, the neighbors who came out for it, and the family whose keys it holds.
66
properties in the pipeline
7
homes under construction right now
16
more properties being transferred in
Across Jacksonville's historic urban core neighborhoodsUpdated September 2026
Working alongside
- City of Jacksonville, Head Start to HOME Ownership
- The Emerald Trail
- Equal Housing Opportunity
Questions families ask us
What is a community land trust?
A Community Land Trust is a nonprofit organization that creates lasting affordable homeownership. JCLT owns the land and sells the home to an income-qualified buyer. The land is leased to the homeowner through a long-term ground lease, helping keep the home affordable now and for future buyers.
Do I own my home?
Yes. You purchase and own the home. Like other homeowners, you are responsible for your mortgage, property taxes, insurance, maintenance and repairs. JCLT continues to own the land beneath the home.
How long is the ground lease?
The ground lease is for 99 years and includes a second 99-year renewable term. It is designed to provide long-term stability and security for the homeowner while protecting the home's permanent affordability.
What is the monthly ground lease fee?
The monthly ground lease fee is $30.
How does shared equity work?
You build equity as you pay down your mortgage, and you receive a share of the home's appreciation when you sell. The rest of the appreciation stays with the home, which is what keeps it affordable for the next family. The exact terms are set out in your ground lease and program documents, and a member of the JCLT team walks you through them in person before you buy, so there are no surprises at resale.
Who is eligible to purchase a JCLT home?
Applicants must meet the requirements for the specific home and funding program. In general, buyers must have household income at or below 80% of Area Median Income, must not have owned a home during the previous three years, must obtain mortgage pre-approval, and must complete an approved eight-hour HUD homebuyer education course. Additional requirements may apply to a particular property or funding source.
Read all the questions families ask us, or ask your own on the contact page. No question is too early.
One application. That is the whole ask.
Check the income limits, send in your application, and if you are selected we contact you with everything that happens next. No paperwork marathon, no hoops before you even hear from us.
Start your applicationRooted along the Emerald Trail
JCLT builds in Jacksonville's historic urban core - Springfield, Durkeeville, Eastside, New Town, Mixon Town, Brooklyn, LaVilla - the neighborhoods being reconnected by the Emerald Trail. As the trail brings parks, sidewalks, and investment back to these streets, community land trust homes make sure the families who call them home can stay and own there, permanently.
Homes are matched to applicants through an application process, not a listing site - so the place to start is always the same: apply.
Built with partners
JCLT works alongside the City of Jacksonville's Head Start to HOME Ownership program, local builders, lenders who know the community land trust model, and the funders who make permanent affordability possible.
Where we are building
These are the homes JCLT has under way across Jacksonville's urban core.
- 1051 E 11th Street. .
- 1170 W 24th Street. .
- 1323 W 22nd Street. .
- 1324 Bridier Street. .
- 1351 Van Buren Street. .
- 1355 Van Buren Street. .
- 1384 W 1st Street. .
- 1406 W 23rd Street. .
- 1416 W 16th Street. .
- 1430 W 21st Street. .
- 1443 W 25th Street. .
- 1476 Mitchell Street. .
- 1511 W 30th Street. .
- 1523 W 31st Street. .
- 1525 Lauder Avenue. .
- 1544 W 8th Street. .
- 1545 W 22nd Street. .
- 1552 W 15th Street. .
- 1572 W 27th Street. .
- 1602 W 24th Street. .
- 1610 E 13th Street. .
- 1623 Logan Street. .
- 1627 Logan Street. .
- 1662 W 23rd Street. .
- 1663 W 28th Street. .
- 1721 Brackland Street. .
- 1741 Buckman Street. .
- 1759 W 20th Street. .
- 1803 Baldwin Street. .
- 1810 W 27th Street. .
- 1845 W 27th Street. .
- 1942 Spring Drive Road. .
- 1983 Broadway Avenue. .
- 2104 W 41st Street. .
- 211 W 18th Street. .
- 2118 McQuade Street. .
- 2171 Sessions Lane / Freeman Road. .
- 2314 Johnson Avenue. .
- 2413 Orchard Street. .
- 2856 Lucoma Drive. .
- 2970 Warrington Street. .
- 3114 Stuart Street. .
- 3418 Plateau Street. .
- 342 W 10th Street. .
- 357 Birch Street. .
- 4519 Springfield Boulevard. .
- 5029 Avenue B. .
- 529 Clark Street. .
- 5335 Shenandoah Avenue. .
- 5456 Wabash Boulevard. .
- 5463 Shenandoah Avenue. .
- 5561 Kankakee Boulevard. .
- 5639 Silverdale Avenue. .
- 702 Lincoln Court. .
- 765 Ontario Street. .
- 8024 Wakefield Avenue. .
- 818 Niagara Avenue. .
Select a pin to see the home. Homes are matched through the application, not chosen from the map.
How homes are matched
Homes are matched to applicants through a random selection process. Submitting an application does not reserve a specific home, and it does not guarantee you will receive the home you are most interested in - or a home at all. This map is here so you can see where JCLT is building, not to be shopped from.