This home is in Ocean Cay, Jacksonville Beach — a waterfront home in Jacksonville.
Sold·Closed Jul 17, 2026·9 days on market·Recent sales in Ocean Cay·Ocean Cay
3504 Bay Island Circle
Jacksonville Beach, FL 32250
2 more homes for sale in Ocean Cay →Search Ocean Cay on the map
About this home
Ocean Cay
Welcome to Ocean Cay, a charming coastal community just minutes from the beach! This beautifully maintained 4BR/3BA home is situated on a scenic waterfront homesite and offers the perfect blend of comfort, convenience, and coastal living. From the moment you arrive, you'll appreciate the upgraded landscaping, private irrigation well for lower water bills, and attractive paver driveway and front porch. Inside, hardwood floors flow through the main living areas, creating a warm and inviting atmosphere. The spacious owner's suite overlooks the lake and features an ensuite bath with dual vanities, a walk-in shower, and a relaxing garden tub. The fully equipped kitchen offers granite countertops, stainless steel appliances, a pantry, and a cozy breakfast nook, while the formal dining room provides the perfect space for entertaining. Generously sized secondary bedrooms offer plenty of room for family and guests. Large sliding glass doors open to a paver patio where you can relax and
Next steps in Ocean Cay
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — 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: ~1,696 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 homeAs 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $682,633 | $288,990 | — |
| 2024 | $682,791 | $279,998 | — |
| 2023 | $621,794 | $270,241 | — |
| 2022 | $571,210 | $265,768 | — |
| 2021 | $451,885 | $256,571 | — |
| 2020 | $426,381 | $252,339 | — |
Estimated taxes if purchased at asking price: ~$15,900/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.
History
Price & status history
- Jul 17, 2026Closed$850,000
- Jul 14, 2026Pending$850,000
- Jun 10, 2026Listed$850,000
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 $433/sq ft; this home is listed at $364/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3635 Paradise Way, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $1,895,000 | $679 | 3/3.5 | 2,790 | 18 | 0.1 |
| 3567 Bay Island Circle, Jacksonville Beach, FL 32250Listed by COMPASS FLORIDA LLC | Jul 2026 | $885,000 | $357 | 4/3 | 2,481 | 5 | 0.1 |
| 487 33rd Avenue S, Jacksonville Beach, FL 32250Listed by LPT REALTY LLC | Sep 2026 | $905,000 | $440 | 3/2.5 | 2,058 | 57 | 0.2 |
| 3309 Heron Drive N, Jacksonville Beach, FL 32250Listed by VENTURE REALTY CO, LLC | Sep 2026 | $800,000 | $415 | 3/2 | 1,928 | 7 | 0.2 |
| 829 Bonaire Circle, Jacksonville Beach, FL 32250Listed by COMPASS FLORIDA LLC | Oct 2026 | $865,500 | $407 | 4/2.5 | 2,124 | 11 | 0.3 |
| 259 32nd Avenue S, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $1,075,000 | $433 | 4/3 | 2,484 | 238 | 0.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX SPECIALISTS
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.
The neighborhood
About Ocean Cay
Ocean Cay is a neighborhood in Jacksonville Beach, FL (Duval County), ZIP 32250.
View all Ocean Cay homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 17, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines