This home is in Jacksonville — a pool home in Jacksonville.
$650,0004 bd · 2.5 ba · 2,707 sq ft
Active·Listed today
4557 Bay Harbour Drive
Jacksonville, FL 32225
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Welcome to turn-key luxury and peace of mind in this classic brick home offering over 2,600 sq. ft. across 4 bedrooms and 2.5 baths. The light-filled main level centers around a renovated chef's kitchen outfitted with sleek quartz countertops, refreshed cabinetry, dual pantries, a wine cooler, and high-end appliances (Bosch/GE/Samsung). Relax and entertain between the main family room, formal dining area with wet bar, and a versatile secondary living space. The 1st-floor primary retreat features direct pool access, walk-in closet, and a spa bath with soaking tub and rain shower. Upstairs, 3 spacious guest bedrooms with walk-in closets share a fully renovated bath. Outside, your private oasis awaits with a heated pool (2025 heater), covered pergola, and dedicated zones for lounging, dining, and play. Capital updates include a 2023 roof, James Hardie siding, 200A panel, dual HVAC, Direct-Drive garage opener, and Rachio smart sprinklers. Don't sleep on this one, it won't last long!
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 (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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — 2023 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,728 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.
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
South Beach Pavillion, Little Talbot Island State Parkabout 7 mi · 100 parking spaces
Closest park or preserve
Theodore Roosevelt Area and Fort Caroline (Timucuan Preserve)about 1 mi · 9.3 mi of trails
Closest public boat ramp
Fulton Road Unimproved Landingabout 0.8 mi · St. Johns River
Closest kayak & paddleboard launch
Joe Carlucci Sisters Creek Park – Paddlecraft Launch Beachabout 3 mi · St. Johns River
Closest youth league fields
Ed Austin Regional Parkabout 1 mi · Baseball, Softball, Soccer
Closest grocery store
Publixabout 2 mi · 2771 Monument Rd, 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 |
|---|---|---|---|
| 2026 | $492,402 | $487,759 | — |
2025 property taxes (current owner): $8,495/yr
Estimated taxes if purchased at asking price: ~$12,800/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 3,601 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Nov 12, 2026Active$650,000
- Nov 8, 2026Price change$650,000+$1,000
- Nov 8, 2026Listed$649,000
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 $260/sq ft; this home is listed at $240/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4528 Bay Harbour Drive, Jacksonville, FL 32225Listed by MERO REALTY | Oct 2026 | $510,000 | $234 | 4/2.5 | 2,184 | 41 | 0.1 |
| 11341 Woodsong Loop N, Jacksonville, FL 32225Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $513,500 | $234 | 3/2 | 2,194 | 3 | 0.2 |
| 4425 Beacon Drive W, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $553,000 | $220 | 4/2.5 | 2,519 | 67 | 0.3 |
| 4423 Woodsong Loop W, Jacksonville, FL 32225Listed by RE/MAX SPECIALISTS | Jul 2026 | $579,000 | $283 | 4/3 | 2,045 | 23 | 0.3 |
| 11257 Portside Drive, Jacksonville, FL 32225Listed by HOMECOIN.COM | Sep 2026 | $800,000 | $260 | 4/3 | 3,075 | 110 | 0.4 |
| 11405 Reed Island Drive, Jacksonville, FL 32225Listed by KELLER WILLIAMS ST JOHNS | Jul 2026 | $575,000 | $284 | 3/2 | 2,025 | 14 | 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.
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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines