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 Jacksonville — a waterfront home in Jacksonville.

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Active

Active·47 days on market

502 Bay Ridge Road

Jacksonville, FL 32216

$599,900$361/sqftEst. $3,059/moMLS# 2151335

Beds

Baths

1,662

Sq Ft

1956

Built

Garage

Yes

Pool

About this home

Jacksonville

Welcome to your private waterfront retreat in the heart of Jacksonville. Perfectly positioned along the tranquil riverfront, this extraordinary custom residence offers breathtaking water views from nearly every room and combines luxury, comfort, and functionality in a way that is rarely found. From the moment you enter, you'll be captivated by expansive water vistas, designer finishes, and thoughtful upgrades throughout. The gourmet chef's kitchen is truly the centerpiece of the home, featuring premium Thermador appliances including a full-size refrigerator and freezer, double ovens, 6-burner gas cooktop, dishwasher, integrated wine cooler, soft-close Ultracraft cabinetry, and abundant workspace for entertaining family and guests. The luxurious owner's suite feels like a private spa retreat, complete with stunning river views, an insulated soaking tub overlooking the water, and an impressive custom dressing room

Cost to own

Mortgage calculator

Home Price

$599,900

Down Payment: 20%

$119,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,059

Principal & Interest: $3,059

Property taxes (est.): $980

Insurance (est.): $400

Estimated Total Monthly

$4,438

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,059

Property taxesest. at asking price, Duval County$980

Estimated total, before insurance$4,038/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,706/yr · $726/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: $579,500 in February 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$510,630	$459,908	—
2024	$375,198	$375,198	▲ $6,386
2023	$366,080	$203,158	—
2022	$353,273	$200,139	▲ $19,255
2021	$295,935	$192,839	▲ $43,927
2020	$249,734	$189,480	▲ $5,340

2025 property taxes (current owner): $8,706/yr

Estimated taxes if purchased at asking price: ~$11,800/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1956)

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

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,693 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