Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a pool home in Jacksonville.

1 / 31

Active

Active·64 days on market

4575 Oak Bay Drive

Jacksonville, FL 32277

$545,000$171/sqftEst. $2,779/moMLS# 2140507

Beds

Baths

3,186

Sq Ft

1981

Built

Garage

Yes

Pool

About this home

Jacksonville

Back on the market UNDER appraised value of $583,000 (FHA). Previous buyer's financing fell through, creating a second chance to make this home yours! Discover this charming 4-bedroom, 3-bath pool home nestled in the established and picturesque neighborhood of Charter Point. Set on a spacious lot surrounded by mature oak trees, this classic brick residence offers timeless appeal and thoughtful updates throughout. Step inside to find warm hardwood floors, elegant dentil crown molding, and generous living areas perfect for everyday living and entertaining. The main level includes a large bedroom with an adjacent full bath, ideal for guests or multigenerational living, as well as a flex room perfect for a playroom, office, or cozy sitting area. The kitchen and family room overlook the inviting in-ground pool and paved patio, creating a seamless connection to the private backyard retreat. A wet bar adds extra convenience for entertaining.

Cost to own

Mortgage calculator

Home Price

$545,000

Down Payment: 20%

$109,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,779

Principal & Interest: $2,779

Property taxes (est.): $890

Insurance (est.): $363

Estimated Total Monthly

$4,032

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,779

Property taxesest. at asking price, Duval County$890

HOAbilled annually$23

Estimated total, before insurance$3,692/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,645/yr · $637/mo

• 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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$409,272	$409,272	—
2024	$396,102	$396,102	▲ $18,238
2023	$392,552	$252,594	—
2022	$365,780	$243,781	—
2021	$285,225	$235,225	—
2020	$271,445	$271,445	—

2025 property taxes (current owner): $7,645/yr

Estimated taxes if purchased at asking price: ~$10,700/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1981)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,715 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 home

As 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.

History