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This home is in Jacksonville.

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Active

Active·79 days on market

5362 Oak Bay Drive N

Jacksonville, FL 32277

$558,000$189/sqftEst. $2,878/moMLS# 2141067

Beds

Baths

2,960

Sq Ft

1981

Built

Garage

Pool

About this home

Jacksonville

Come see this beautiful 4-bedroom 3-bathroom property for yourself or you won't believe it. This amazing home tucked away in the Charter Point community is located right around the corner from Jacksonville University and just minutes from all the growth that downtown Jacksonville, including the new Jaguars facilities has to offer. Resting under majestic live oak trees and looking across the street at the St Johns River you will get to experience ''Old Florida'', yet you are right in the middle of everything. This home was completely remodeled in 2021 and features luxury vinyl plank flooring throughout the entire house. The spaces are laid out perfectly to entertain multiple guests or just enjoy a private evening with your family. The massive spaces including a living room, family room, dining room and large breakfast room hold all of your guests comfortably and keep them centered around your large kitchen with stainless steel appliances and granite countertops with bar seating.

Cost to own

Mortgage calculator

Home Price

$558,000

Down Payment: 20%

$111,600

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,878

Principal & Interest: $2,878

Property taxes (est.): $911

Insurance (est.): $372

Estimated Total Monthly

$4,161

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,878

Property taxesest. at asking price, Duval County$911

HOAbilled annually$23

Estimated total, before insurance$3,812/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,373/yr · $614/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

Last sold: $495,000 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$392,249	$392,249	—
2024	$379,547	$379,547	▲ $19,439
2023	$373,592	$373,592	—
2022	$347,070	$247,886	—
2021	$270,165	$227,624	—
2020	$255,835	$216,876	—

2025 property taxes (current owner): $7,373/yr

Estimated taxes if purchased at asking price: ~$10,900/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: ~1,641 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

Price & status history

Jul 16, 2026Price change$558,000−$500
May 20, 2026Listed$558,500

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$558,000

Price / Sq Ft$189

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,960

Acres0.38 acres

Year Built1981

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryFort Caroline

MiddleArlington

HighTerry Parker

Community Information

Address5362 Oak Bay Drive N, Jacksonville, FL 32277

Area041-Arlington

SubdivisionCharter Point

CityJacksonville

CountyDuval

StateFL

Zip Code32277

Lot Size16,552.8 sq ft

Parcel Number1089271690

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewRiver, Water

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingHeat Pump, Zoned

CoolingCentral Air, Zoned

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit

SecuritySmoke Detector(s)