SMITH & CUMMINGS
Jacksonville Real Estate

Two agents.
One standard.

Mathew Smith and Khristi V Cummings are Jacksonville REALTORS® whose strengths complement each other — so whether you're buying, selling, or investing in Northeast Florida, your deal gets handled from every angle.

What we do

Full-service representation across Northeast Florida — from the Beaches to the Southside to the urban core.

Selling

Pricing built on real comparable data, professional marketing, and negotiation that protects your bottom line — from listing day to closing table.

Start with our seller intake →

Buying

Search every active listing in Northeast Florida, tour on your schedule, and make offers backed by permit history, comp research, and sharp terms.

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Investing

Duplexes, rentals, and value-add opportunities — underwritten honestly, with the numbers in front of you before you commit.

Talk through a deal →

The partnership

Two independent REALTORS® with United Real Estate Gallery — different strengths that complement each other, working together on your deal.

Mathew Smith, REALTOR®

Mathew Smith

REALTOR® · C2EX · MRP

Jacksonville agent and investor. Data-first pricing, aggressive marketing, and a builder's eye for what a property can become.

Khristi V Cummings, REALTOR®

Khristi V Cummings

REALTOR®

Northeast Florida agent focused on the Southside and beyond — guiding buyers, sellers, and investors with patience and straight answers.

Wondering what your home is worth?

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