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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 Sep 8, 2026·65 days on market·Recent sales in Jacksonville

1669 Biscayne Bay Circle

Jacksonville, FL 32218

$180,000sold priceListed at $178,000 · 101.1% of asking$113/sqftMLS# 2149115
3
Beds
2.5
Baths
1,588
Sq Ft
2006
Built
1
Garage
No
Pool
FEMA Zone XHOA $162/mo2,178 sqft lotSingle Family Residence2 stories

About this home

Jacksonville

Welcome to this spacious 3-bedroom, 2.5-bath townhome offering 1,588 square feet of comfortable living space in the desirable Biscayne Bay community. Built in 2006, this two-story home features an open-concept living and dining area, laminate flooring, a functional kitchen with ample cabinet space, and a convenient half bath on the main level. Upstairs, the generously sized primary suite includes a walk-in closet and private bath, while two additional bedrooms provide plenty of room for family, guests, or a home office. Enjoy outdoor relaxation on the private patio and the convenience of an attached one-car garage. Located just minutes from I-95, I-295, Jacksonville International Airport, River City Marketplace, shopping, dining, and entertainment, this home offers the perfect blend of comfort, convenience, and low-maintenance living. Community amenities include a swimming pool and playground, with no CDD fees.

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$997
Property taxesest. at asking price, Duval County$294
HOAbilled quarterly$162
Estimated total, before insurance$1,453/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,625/yr · $302/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

$180,000
$36,000
Loan Term
Monthly Payment
$997
Principal & Interest: $997
Property taxes (est.): $294
Insurance (est.): $120
Estimated Total Monthly
$1,411
*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.

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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2006)

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

Sewer (public record)

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

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

Solar potential: ~1,748 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.

Cost to own

Taxes & assessment

Last sold: $45,400 in January 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$184,889$184,889—
2024$180,755$180,755—
2023$183,112$183,112—
2022$143,545$129,364—
2021$117,604$117,604▲ $10,412
2020$103,854$88,705—

2025 property taxes (current owner): $3,625/yr

Estimated taxes if purchased at asking price: ~$3,500/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.

History

Price & status history

  • Sep 9, 2026Closed$178,000
  • Aug 10, 2026Pending$178,000
  • Jun 5, 2026Listed$178,000

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

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 $186/sq ft; this home is listed at $112/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1346 Biscayne Grove Lane, Jacksonville, FL 32218Listed by WATSON REALTY CORPJul 2026$260,000$2023/21,2851690.5
11820 Sagebrush Court, Jacksonville, FL 32218Listed by EXP REALTY LLCJul 2026$245,000$1873/21,307470.6
1399 Marsh Hen Drive, Jacksonville, FL 32218Listed by FLOURISHING FOUNDATIONS REALTY GROUP LLCJul 2026$300,000$1814/21,656170.7
11517 Oaklawn Road, Jacksonville, FL 32218Listed by 1 REALTY CORPAug 2026$285,000$1613/21,770400.9
1214 Turtle Creek Drive N, Jacksonville, FL 32218Listed by RE/MAX SPECIALISTSOct 2026$190,050$1103/2.51,724331
953 Tortoise Way, Jacksonville, FL 32218Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$367,000$1863/21,978471

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$178,000
Price / Sq Ft$112
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,588
Acres0.05 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryBiscayne
MiddleHighlands
HighFirst Coast

Community Information

Address1669 Biscayne Bay Circle, Jacksonville, FL 32218
Area091-Garden City/Airport
SubdivisionBiscayne Bay
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Lot Size2,178 sq ft
Parcel Number0197013525

Amenities

AmenitiesPool, Clubhouse, Playground
UtilitiesCable Available, Electricity Available, Water Available
Water SourcePublic
ParkingGarage, On Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
# of Stories2
LaundryWasher Hookup

Exterior

FencingVinyl
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 5, 2026
Days on Market65
HOA Fees$485 / Quarterly
HOA FrequencyQuarterly
Tax Amount$3,624.73
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PUBLIC SERVICES REALTY

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 Sep 8, 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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