This home is in Charter Point, Jacksonville — a pool home in Jacksonville.
$569,000Active Under Contract4 bd · 3 ba · 3,186 sq ft
Active Under Contract·48 days on market·Charter Point
4575 Oak Bay Drive W
Jacksonville, FL 32277
2 more homes for sale in Charter Point →Search Charter Point on the map
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About this home
Charter Point
Welcome to this spacious 4-bedroom, 3-bath pool home tucked beneath the mature oak trees of established Charter Point. Offering over 3,100 square feet of living space, this classic brick home is filled with character, generous living spaces, and a flexible floor plan with room for everyone. The recently refreshed kitchen features new quartz countertops and backsplash, giving the space a fresh, updated feel. Warm hardwood floors, beautiful dentil crown molding, multiple living and dining areas, and a wet bar add to the home's charm and provide plenty of space for both everyday living and entertaining. The main level includes a secondary primary suite with a large bedroom connected to an adjacent full bath, making it a great option for guests or multigenerational living. An additional flex room offers even more possibilities as a home office, playroom, exercise room, or sitting area. Upstairs, you'll find the primary suite, additional bedrooms, and another versatile bonus space.
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: material not specified — year not disclosed (home built 1981)
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: ~1,715 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.
As of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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 12 mi · 35 parking spaces
Closest park or preserve
Reddie Point Preserve5 min drive · 1.2 mi of trails
Closest public boat ramp
Arlington Lions Club Park & Boat Rampabout 0.9 mi · St. Johns River
Closest kayak & paddleboard launch
Reddie Point Preserve Canoe Accessabout 0.4 mi · St. Johns River
Closest youth league fields
Blue Cypress Park, Community Center & Golf Course5 min drive · Swimming
Closest grocery store
Aldi7 min drive · 6060 Fort Caroline Rd No.10,, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $409,272 | $409,272 | — |
| 2024 | $396,102 | $396,102 | ▲ $18,238 |
| 2023 | $392,552 | $252,594 | — |
| 2022 | $365,780 | $243,781 | — |
| 2021 | $285,225 | $235,225 | — |
| 2020 | $271,445 | $271,445 | — |
2025 property taxes (current owner): $7,645/yr
Estimated taxes if purchased at asking price: ~$11,100/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
- Nov 10, 2026Active Under Contract$569,000
- Sep 23, 2026Active$569,000
- Sep 18, 2026Listed$569,000
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 $169/sq ft; this home is listed at $179/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4526 Oak Bay Drive W, Jacksonville, FL 32277Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $560,000 | $205 | 4/3 | 2,728 | 2 | 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 | 0.3 |
| 5545 Edenfield Road, Jacksonville, FL 32277Listed by RE/MAX SPECIALISTS | Jun 2026 | $420,000 | $149 | 4/3.5 | 2,820 | 5 | 0.4 |
| 4309 Maywood Drive, Jacksonville, FL 32277Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Aug 2026 | $435,000 | $195 | 4/2.5 | 2,236 | 8 | 0.5 |
| 4308 Sage Oak Court, Jacksonville, FL 32277Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Mar 2026 | $453,000 | $152 | 4/3.5 | 2,986 | 184 | 0.5 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER 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.
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
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines