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.

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Active

Active·12 days on market

2258 Sandy Bay Lane

Jacksonville, FL 32233

$543,500$297/sqftEst. $2,803/moMLS# 2157290

Beds

Baths

1,828

Sq Ft

2018

Built

Garage

Pool

About this home

Jacksonville

We love how easy this home made our life. Morning coffee on the covered lanai while watching our birding app identify what songbirds were nearby. This corner lot with mature coastal oak trees is a hard-to-find gem for its extra room and extra privacy. A favorite inside feature is the separation of living and sleeping spaces. Three bedrooms upstairs. Main floor downstairs is for entertaining. Bedrooms upstairs enjoy a quiet retreat. Also, having a generous driveway for family and friends is a rare thing in a beach community. This house is blessed with extra parking space. Living in a secure, gated community gives us peace of mind. It allowed me to lock up and leave to go on trips. I was comfortable leaving, because our house was in a gated community. The location is incredibly convenient. Everything is close enough that we avoided spending our life in traffic: Mayo Clinic, shopping at Mayport Naval Station, buying fresh seafood at Safe

Cost to own

Mortgage calculator

Home Price

$543,500

Down Payment: 20%

$108,700

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,803

Principal & Interest: $2,803

Property taxes (est.): $887

Insurance (est.): $362

Estimated Total Monthly

$4,053

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,803

Property taxesest. at asking price, Duval County$887

HOAbilled annually$63

Estimated total, before insurance$3,754/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.

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 2018)

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

Solar potential: ~1,656 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