This home is in Charter Point, Jacksonville — a pool home in Jacksonville.
Sold·Closed Sep 25, 2026·2 days on market·Recent sales in Charter Point·Charter Point
4526 Oak Bay Drive W
Jacksonville, FL 32277
3 more homes for sale in Charter Point →Search Charter Point on the map
About this home
Charter Point
Welcome to this spacious one-story pool home in Charter Point offering 4 bedrooms, 3 baths and 2,728 SF. Enjoy the next best thing to riverfront living, with a beautiful natural setting about a block from the St. Johns River. The flexible floor plan features a large great room with fireplace and vaulted ceiling, updated kitchen, formal dining room, breakfast room, Florida room and spacious primary suite. Step outside to the screened, solar-heated pool, resurfaced in 2026, with a backyard extending beyond the pool to a natural preserve and tidal creek along the rear property line. Major updates include roof 2024, HVAC systems 2024 and 2026, and water heater 2023. Additional features include a sprinkler system and oversized garage. Convenient to Reddie Point Preserve, Blue Cypress Park Riverwalk, Arlington Lions Club Boat Ramp and the St. Johns River. A rare combination of space, pool living and a beautiful natural setting. Come see it today!
Next steps in Charter Point
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 (that applies to the reference bill above too).
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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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: Shingle — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,488 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,378/yr
Estimated taxes if purchased at asking price: ~$11,000/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
- Sep 26, 2026Closed$559,000
- Aug 24, 2026Active Under Contract$559,000
- Aug 21, 2026Listed$559,000
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 $191/sq ft; this home is listed at $205/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4475 Charter Point Boulevard, Jacksonville, FL 32277Listed by REAL BROKER LLC | Jul 2025 | $443,000 | $195 | 3/3 | 2,271 | 18 | 0.1 |
| 5454 River Trail Road S, Jacksonville, FL 32277Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Aug 2026 | $460,000 | $169 | 3/2.5 | 2,718 | 5 | 0.2 |
| 4375 Maywood Drive, Jacksonville, FL 32277Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $300,000 | $129 | 4/3 | 2,329 | 0 | 0.2 |
| 5477 Brightwater Lane, Jacksonville, FL 32277Listed by FIRST COAST REALTY OF JACKSONVILLE INC | Jun 2025 | $340,000 | $108 | 5/3.5 | 3,159 | 98 | 0.3 |
| 4309 Maywood Drive, Jacksonville, FL 32277Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Aug 2026 | $435,000 | $195 | 4/2.5 | 2,236 | 8 | 0.4 |
| 4225 Zidal Court, Jacksonville, FL 32277Listed by CASTILLO REAL ESTATE JAX | Jun 2026 | $437,000 | $191 | 4/2 | 2,286 | 41 | 0.4 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
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 Charter Point
Charter Point is a neighborhood in Jacksonville, FL (Duval County), ZIP 32277.
View all Charter Point homes for sale →Keep looking
More homes in Charter Point
For Sale4575 Oak Bay Drive WJacksonville, FL 32277
4 bd · 3 ba · 3,186 sq ft
$569,000Est. $3,028/moWelcome to this spacious 4-bedroom, 3-bath pool home tucked beneath the mature oak trees of established Charter Point.…
Listing Office: real broker llc
Pending4375 Maywood DriveJacksonville, FL 32277
4 bd · 3 ba · 2,329 sq ft
$482,500Est. $2,568/moCharming brick single family home in Fort Caroline has been completely renovated. Luxurious vinyl plank flooring, a…
Listing Office: florida homes realty & mtg llc
Pending4463 River Trail RoadJacksonville, FL 32277
4 bd · 4 ba · 2,589 sq ft
$225,000Est. $1,198/moA Tudor revival ready for restoration. Open Floor plan, Split bedrooms, second primary on second floor, Wood burning…
Listing Office: sound investments real estate
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 25, 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