This home is in Jacksonville.
Active·25 days on market
1030 Montego Bay Drive S
Jacksonville, FL 32218
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Welcome to this well-maintained home in a convenient North Jacksonville location! Featuring a functional floor plan with spacious living areas, this home offers a great opportunity for first-time buyers, growing families, or investors. Enjoy comfortable living with generously sized bedrooms, ample natural light, and a backyard perfect for relaxing or entertaining. The seller understands the home will require roof work and is willing to work with the buyer by considering reasonable concessions or repair options with an acceptable offer. Don't miss this opportunity to make this home your own while adding your personal touches. Conveniently located near shopping, dining, schools, major highways, and Jacksonville International Airport, this home offers both value and accessibility. Schedule your private showing today!
Next steps in Jacksonville
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: material not specified — year not disclosed (home built 1976)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer & public water · JEA
County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,512 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.
History
Price & status history
- Sep 15, 2026Price change$250,000+$20,000
- Sep 15, 2026Active$230,000
- Aug 28, 2026Pending$230,000
- Aug 19, 2026Price change$230,000−$30,000
- Jul 28, 2026Listed$260,000
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 $173/sq ft; this home is listed at $176/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1214 Turtle Creek Drive N, Jacksonville, FL 32218Listed by RE/MAX SPECIALISTS | Oct 2026 | $190,050 | $110 | 3/2.5 | 1,724 | 33 | 0.3 |
| 1226 Turtle Creek Drive S, Jacksonville, FL 32218Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $306,525 | $173 | 3/2 | 1,767 | 11 | 0.3 |
| 11055 Bacall Road W, Jacksonville, FL 32218Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $219,900 | $137 | 3/2 | 1,608 | 32 | 0.5 |
| 918 Bacall Road, Jacksonville, FL 32218Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $187,000 | $180 | 3/2 | 1,040 | 3 | 0.6 |
| 1860 Montward Preserve Way, Jacksonville, FL 32218Listed by WATSON REALTY CORP | Sep 2026 | $280,000 | $170 | 3/2 | 1,648 | 35 | 0.7 |
| 11820 Sagebrush Court, Jacksonville, FL 32218Listed by EXP REALTY LLC | Jul 2026 | $245,000 | $187 | 3/2 | 1,307 | 47 | 0.7 |
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: MARK SPAIN REAL ESTATE
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.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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