This home is in Jacksonville.
Sold·Closed Oct 19, 2026·16 days on market·Recent sales in Jacksonville
1066 Montego Bay Drive S
Jacksonville, FL 32218
About this home
Jacksonville
Why rent when you can own? Welcome Home! This beautifully maintained 3-bedroom, 2-bath home with a 2-car garage offers the perfect combination of comfort, functionality, and value. Whether you're purchasing your first home, downsizing, or looking for a smart investment, this move-in ready property is one you won't want to miss. Step inside to discover a bright, open floor plan designed for everyday living and effortless entertaining. The spacious living area flows seamlessly into the kitchen and dining space, creating the perfect gathering place for family and friends. The split-bedroom layout provides added privacy, while the generous primary suite offers a relaxing retreat with an en-suite bath and ample closet space. Enjoy the convenience of a two-car garage, low-maintenance living, and a backyard ready for weekend barbecues, pets, gardening, or simply relaxing after a long day.
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.
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 1978)
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: ~1,625 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 August 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 13 mi · 35 parking spaces
Closest park or preserve
Reddie Point Preserveabout 5 mi · 1.2 mi of trails
Closest public boat ramp
Riverview Park Boat Rampabout 2 mi · St. Johns River - Trout River (Jacksonville)
Closest kayak & paddleboard launch
North Shore Park Kayak Launchabout 4 mi · St. Johns River - Trout River (Jacksonville)
Closest youth league fields
Turtle Creekabout 0.9 mi · Football
Closest grocery store
Publixabout 1 mi · 1100 Dunn Ave Bldg 100, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $384/yr
Estimated taxes if purchased at asking price: ~$5,800/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, NEFMLS.
History
Price & status history
- Oct 20, 2026Closed$290,000
- Sep 5, 2026Pending$290,000
- Aug 20, 2026Active$290,000
- Aug 7, 2026Listed$290,000
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 $170/sq ft; this home is listed at $192/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 | 0.2 |
| 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 | 0.2 |
| 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 |
| 11517 Oaklawn Road, Jacksonville, FL 32218Listed by 1 REALTY CORP | Aug 2026 | $285,000 | $161 | 3/2 | 1,770 | 40 | 0.8 |
| 11389 Nettlebrook Street E, Jacksonville, FL 32218Listed by MARK SPAIN REAL ESTATE | Jul 2026 | $267,500 | $143 | 3/2 | 1,874 | 27 | 1 |
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: PROVINCE REALTY GROUP LLC
Sold by: IRON VALLEY REAL ESTATE NORTH FLORIDA (buyer's brokerage)
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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Krista Fracke
Broker Associate
This home sold on Oct 19, 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
Is this home priced right?
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Northeast Florida living
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