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 Ocean Cay, Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Active

Active·119 days on market·Ocean Cay

3568 Bay Island Circle

Jacksonville Beach, FL 32250

$875,000$402/sqftEst. $4,498/moMLS# 2142921

Beds

Baths

2,179

Sq Ft

1999

Built

Garage

Pool

About this home

Ocean Cay

Check out this beautiful home in the heart of Jacksonville Beach offering the perfect blend of comfort, style, and coastal charm. Nestled in the desirable Ocean Cay community that features a community pool, playground and dog park. This property provides a rare opportunity to enjoy relaxed beach living just minutes from the ocean and sunshine park. Step inside to discover a bright and open floor plan designed for both everyday living and entertaining. The home features spacious living areas filled with natural light, a renovated kitchen with ample cabinetry and workspace, and inviting bedrooms that offer comfort and privacy. Outside, enjoy your own private retreat with a backyard perfect for gatherings, morning coffee, or unwinding after a day at the beach. Whether you're hosting friends or enjoying a quiet evening, this home delivers the Florida lifestyle you've been looking for. Located just a short walk out of a private back gate to the beach.

Cost to own

Mortgage calculator

Home Price

$875,000

Down Payment: 20%

$175,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,498

Principal & Interest: $4,498

Property taxes (est.): $1,429

Insurance (est.): $583

Estimated Total Monthly

$6,510

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$4,498

Property taxesest. at asking price, Duval County$1,429

HOAbilled annually$92

Estimated total, before insurance$6,019/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,537/yr · $795/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: $730,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$676,556	$508,181	—
2024	$676,959	$0	—
2023	$616,313	$267,058	—
2022	$565,507	$257,824	—
2021	$447,729	$248,859	—
2020	$422,556	$422,556	—

2025 property taxes (current owner): $9,537/yr

Estimated taxes if purchased at asking price: ~$17,100/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 — 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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 1999)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,779 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