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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Sold

Sold·Closed Jun 5, 2026·7 days on market·Recent sales in Jacksonville

5605 Pinebay Circle N

Jacksonville, FL 32244

$188,000sold priceListed at $189,000 · 99.5% of asking$134/sqftMLS# 2144262
3
Beds
2
Baths
1,403
Sq Ft
1987
Built
1
Garage
No
Pool
HOA $91/moTownhouse1 story

About this home

Jacksonville

Multiple offers received - Highest & Best due by 5/15 by 12pm. Airy and light-filled, this beautifully remodeled 3-bedroom, 2-bath home offers comfortable modern living with thoughtful updates throughout, including a NEW AC, new blinds, ceiling fans, and more! Natural light pours through the large front window and energy-efficient skylight in the kitchen, creating a bright and inviting atmosphere. The spacious kitchen offers ample prep space, generous room to move around, and a functional layout ideal for everyday cooking and entertaining. Neutral-toned walls paired with dark wood-look flooring throughout add warmth and style, while the cozy fireplace anchors the main living area. The spacious Owner's Suite features a walk-in closet and private ensuite bath. Relax in the Florida room, perfect for morning coffee, reading, entertaining guests, or creating a peaceful home office or hobby space.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,041
Property taxesest. at asking price, Duval County$307
HOAbilled monthly$91
Estimated total, before insurance$1,439/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,211/yr · $268/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$188,000
$37,600
Loan Term
Monthly Payment
$1,041
Principal & Interest: $1,041
Property taxes (est.): $307
Insurance (est.): $125
Estimated Total Monthly
$1,474
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

YearMarket valueTaxable valueChange
2025$174,426$154,396—
2024$169,956$140,360▲ $10,375
2023$165,959$127,600—
2022$143,110$116,000—
2021$110,914$105,455▲ $11,425
2020$95,953$95,869▲ $8,474

2025 property taxes (current owner): $3,211/yr

Estimated taxes if purchased at asking price: ~$3,700/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.

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 $127/sq ft; this home is listed at $135/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5427 Greatpine Court, Jacksonville, FL 32244Listed by INI REALTYAug 2026$180,000$1273/21,422210.1
8565 Windypine Lane, Jacksonville, FL 32244Listed by RE/MAX SIGNATUREJun 2026$104,500$1022/21,02050.2
8265 Halls Hammock Court, Jacksonville, FL 32244Listed by NAVY TO NAVY HOMES LLCSep 2025$165,000$1073/2.51,539990.3
654 Holly Lakes Drive, Orange Park, FL 32073Listed by LENNAR REALTY INCMay 2025$226,395$1533/2.51,483330.3
638 Holly Lakes Drive, Orange Park, FL 32073Listed by LENNAR REALTY INCMay 2025$221,000$1244/2.51,789670.3
618 Holly Lakes Drive, Orange Park, FL 32073Listed by LENNAR REALTY INCMay 2025$220,794$1424/2.51,558270.3

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

Price$189,000
Price / Sq Ft$135
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,403
Year Built1987
TypeResidential
Sub-TypeTownhouse
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryVenetia
MiddleLake Shore
HighRiverside

Community Information

Address5605 Pinebay Circle N, Jacksonville, FL 32244
Area056-Yukon/Wesconnett/oak Hill
SubdivisionWhispering Pines
CityJacksonville
CountyDuval
StateFL
Zip Code32244
Parcel Number0991342254
ZoningResidential

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Off Street

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s), Other
AppliancesOther, Electric Range, Refrigerator
HeatingElectric
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
Window FeaturesSkylight(s)

Exterior

Patio / PorchCovered, Glass Enclosed, Patio
FencingOther
Other StructuresOther
Road SurfaceAsphalt

Additional Information

Date ListedMay 8, 2026
Days on Market7
HOA Fees$90.75 / Monthly
HOA FrequencyMonthly
HOA NameWhispering Pines HOA
Tax Amount$3,210.8
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 5, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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