This home is in Ocean Cay, Jacksonville Beach.

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Active

Active·75 days on market·Ocean Cay

3568 Bay Island Circle

Jacksonville Beach, FL 32250

$875,000$402/sqftEst. $4,657/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: 6.49%

Loan Term

Monthly Payment

$4,420

Principal & Interest: $4,420

Est. Taxes & Insurance: $1,105

Estimated Total Monthly

$5,525

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$4,657

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

HOAbilled annually$92

Estimated total, before insurance$6,178/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History