This home is in Jacksonville.
Pending·32 days on market
5646 Pinebay Circle S
Jacksonville, FL 32244
About this home
Jacksonville
Come home to this spacious and comfortable townhome featuring low-maintenance LVP flooring and a functional, inviting floor plan. The main level offers a dining/living area, galley-style kitchen, and a bedroom with a separate bath. The living room boasts vaulted ceilings and a staircase leading to the upper-level primary suite with two walk-in closets. Enjoy the screened lanai with Spanish-tile flooring, a fenced backyard for added privacy, and an oversized side yard--perfect for outdoor games and entertaining. The HOA maintains the front and side yards, making lawn care a breeze. The driveway easily accommodates 2 vehicles. Add your personal touches and make this home yours! **This listing is also listed under listing number 2152358
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 — 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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 1988)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,626 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $160,303 | $109,581 | — |
| 2024 | $144,835 | $144,835 | ▲ $9,486 |
| 2023 | $140,570 | $90,570 | — |
| 2022 | $120,235 | $102,441 | — |
| 2021 | $93,129 | $93,129 | ▲ $10,604 |
| 2020 | $79,706 | $25,000 | ▲ $6,915 |
2025 property taxes (current owner): $2,452/yr
Estimated taxes if purchased at asking price: ~$3,500/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.
History
Price & status history
- Sep 11, 2026Pending$179,900
- Sep 1, 2026Price change$179,900−$16,600
- Aug 24, 2026Listed$196,500
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: SUPREME PATH BROKERAGE LLC
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
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