This home is in Jacksonville.
Pending·207 days on market
1539 Biscayne Bay Drive
Jacksonville, FL 32218
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Situated on 1539 Biscayne Bay Dr, the interior layout provides a functional arrangement of square footage. Neutral paint covers the walls while laminate flooring extends throughout the main living areas. The kitchen contains cabinetry with quartz countertops. Lighting fixtures hang from the ceiling in each room. The exterior features concrete siding. Don't miss out on this gem! Included 100-Day Home Warranty with buyer activation
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,717 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $157,228 | $118,346 | — |
| 2024 | $152,929 | $107,588 | — |
| 2023 | $153,843 | $97,808 | — |
| 2022 | $119,627 | $88,917 | — |
| 2021 | $98,331 | $80,834 | ▲ $9,352 |
| 2020 | $86,104 | $73,486 | — |
2025 property taxes (current owner): $2,691/yr
Estimated taxes if purchased at asking price: ~$3,300/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Sep 23, 2026Pending$167,000
- Mar 17, 2026Listed$167,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $136/sq ft; this home is listed at $137/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1527 Biscayne Bay Drive, Jacksonville, FL 32218Listed by EXP REALTY LLC | Jul 2026 | $195,000 | $137 | 2/2.5 | 1,424 | 75 | 0 |
| 12314 Mangrove Forest Court, Jacksonville, FL 32218Listed by CHAD AND SANDY REAL ESTATE GROUP | Aug 2025 | $180,000 | $126 | 2/2.5 | 1,424 | 64 | 0.2 |
| 817 Berliner Way Lot 31, Jacksonville, FL 32218Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Aug 2026 | $212,400 | $138 | 3/2.5 | 1,538 | 28 | 1.8 |
| 852 Hartshill Place Lot 47, Jacksonville, FL 32218Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Jul 2026 | $208,900 | $136 | 3/2.5 | 1,538 | 70 | 1.8 |
| 850 Hartshill Place Lot 48, Jacksonville, FL 32218Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Jun 2026 | $208,900 | $136 | 3/2.5 | 1,538 | 45 | 1.8 |
| 10872 Havertz Lane Lot 20, Jacksonville, FL 32218Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | May 2026 | $204,900 | $133 | 3/2.5 | 1,538 | 33 | 1.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: OPENDOOR BROKERAGE, LLC.
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines