# Ask Ben — Northeast Florida homes, answered.

Updated 2026-10-11. Canonical site: https://askben.homes

Ben Subercaseaux is a licensed Florida real estate Sales Associate (license SL3423156) with Florida Homes Realty & Mortgage. Ben is licensed in Florida and works Northeast Florida — Jacksonville first, then Fernandina Beach and St. Augustine — and can help anywhere in Florida. Service areas: Jacksonville, Jacksonville Beach, Atlantic Beach, Neptune Beach, Ponte Vedra Beach, Nocatee, St. Johns, Fernandina Beach, Amelia Island, Yulee, St. Augustine, Palm Coast, Orange Park, Fleming Island, Green Cove Springs, Middleburg, Keystone Heights, Palatka, Callahan. Licensed in Florida only. Bilingual English/Spanish.

## What the site does
- [Home](https://askben.homes/) — Natural-language home search and AI concierge for Northeast Florida.
- [Search homes](https://askben.homes/search) — Describe a home in plain English; returns matching listings.
- [Ask Ben](https://askben.homes/ask) — AI concierge: searches listings, explains flood zones, CDDs, insurance, condo inspections; books showings.
- [Neighborhood guides](https://askben.homes/neighborhoods) — Sourced, objective facts for 22 Northeast Florida areas.
- [Collections](https://askben.homes/homes) — 10 self-updating cuts of live inventory: priced below area sales, fixer-uppers, no CDD/no HOA, waterfront, new construction and more.
- [This week on the market](https://askben.homes/market) — Weekly counts of new listings, price drops and status changes across Northeast Florida, from the MLS feed.
- [What's my home worth?](https://askben.homes/sell) — Instant value range from recent recorded sales, with comps shown. Not an appraisal.
- [About Ben Subercaseaux](https://askben.homes/about) — Jacksonville Beach resident for 20+ years. Licensed since 2018. Straight answers for buyers and sellers — the roof age, the flood zone, the CDD — before you fall for a house.
- [Blog](https://askben.homes/blog) — One sourced read a month on the Northeast Florida housing market — rates, insurance, flood zones, CDDs — and what each change does to a monthly payment.

## Neighborhood guides
Objective, sourced facts (flood zones, CDD/HOA, insurance factors, commutes, short-term-rental rules) — no demographics, no school ratings. Median sale = recorded arm's-length sales in the guide's area over the last 12 months (county property appraisers), the same figure the guide page shows; a dated, sourced snapshot only where county data is missing.
- [Jacksonville Beach](https://askben.homes/neighborhoods/jacksonville-beach) — Duval County, median sale $625,000 (last 12 months · county records), CDD: false
- [Neptune Beach](https://askben.homes/neighborhoods/neptune-beach) — Duval County, median sale $779,950 (last 12 months · county records), CDD: false
- [Atlantic Beach](https://askben.homes/neighborhoods/atlantic-beach) — Duval County, median sale $485,000 (last 12 months · county records), CDD: false
- [Ponte Vedra Beach](https://askben.homes/neighborhoods/ponte-vedra-beach) — St. Johns County, median sale $725,000 (last 12 months · county records), CDD: some
- [Nocatee](https://askben.homes/neighborhoods/nocatee) — St. Johns County, median sale $658,350 (last 12 months · county records), CDD: true
- [Riverside / Avondale](https://askben.homes/neighborhoods/riverside-avondale) — Duval County, median sale $278,000 (last 12 months · county records), CDD: false
- [San Marco](https://askben.homes/neighborhoods/san-marco) — Duval County, median sale $265,000 (last 12 months · county records), CDD: false
- [Mandarin](https://askben.homes/neighborhoods/mandarin) — Duval County, median sale $360,000 (last 12 months · county records), CDD: some
- [Julington Creek / Julington Creek Plantation](https://askben.homes/neighborhoods/julington-creek) — St. Johns County, median sale $540,000 (last 12 months · county records), CDD: true
- [Southside / St. Johns Town Center (incl. Baymeadows & Deerwood)](https://askben.homes/neighborhoods/southside-town-center) — Duval County, median sale $315,000 (last 12 months · county records), CDD: some
- [St. Augustine (City) + Anastasia Island / St. Augustine Beach](https://askben.homes/neighborhoods/st-augustine-anastasia-island) — St. Johns County, median sale $426,000 (last 12 months · county records), CDD: some
- [Fleming Island](https://askben.homes/neighborhoods/fleming-island) — Clay County, median sale $420,000 (last 12 months · county records), CDD: true
- [Orange Park / Oakleaf Plantation](https://askben.homes/neighborhoods/orange-park-oakleaf-plantation) — Clay County, median sale $295,000 (last 12 months · county records), CDD: some
- [Fernandina Beach / Amelia Island](https://askben.homes/neighborhoods/fernandina-beach-amelia-island) — Nassau County, median sale $584,950 (last 12 months · county records), CDD: some
- [Arlington (Jacksonville)](https://askben.homes/neighborhoods/arlington-jacksonville) — Duval County, median sale $260,000 (last 12 months · county records), CDD: false
- [Green Cove Springs](https://askben.homes/neighborhoods/green-cove-springs) — Clay County, median sale $350,000 (last 12 months · county records), CDD: some
- [Middleburg](https://askben.homes/neighborhoods/middleburg) — Clay County, median sale $285,500 (last 12 months · county records), CDD: some
- [Palm Coast](https://askben.homes/neighborhoods/palm-coast) — Flagler County, median sale $354,990 (as of 2026-08 · realMLS closed sales (12 mo)), CDD: false
- [Springfield (Jacksonville)](https://askben.homes/neighborhoods/springfield-jacksonville) — Duval County, median sale $129,250 (last 12 months · county records), CDD: false
- [St. Johns / RiverTown · Shearwater · SilverLeaf](https://askben.homes/neighborhoods/st-johns-rivertown-shearwater) — St. Johns County, median sale $540,000 (last 12 months · county records), CDD: true
- [World Golf Village / St. Augustine 32092](https://askben.homes/neighborhoods/world-golf-village) — St. Johns County, median sale $469,700 (as of 2026-08 · county property appraiser records, zip 32092 (12 mo)), CDD: some
- [Yulee / Wildlight](https://askben.homes/neighborhoods/yulee-wildlight) — Nassau County, median sale $397,000 (last 12 months · county records), CDD: some

## Contact
- Phone: (904) 595-8967
- Email: ben.subercaseaux@gmail.com
- Brokerage: Florida Homes Realty & Mortgage, 9191 RG Skinner Pkwy, Suite 102, Jacksonville, FL 32256

## Policies
- Fair Housing: the site and its AI never characterize neighborhoods or residents by protected class; questions about 'safe' or 'good' areas are redirected to objective public sources.
- Listing data is IDX from realMLS (Northeast Florida MLS); information deemed reliable but not guaranteed.
- Home value estimates are generated from public and MLS sale data and are not appraisals.
- Site operated by Benjamin Subercaseaux, LLC. Brokerage: Florida Homes Realty & Mortgage, license CQ1032918.