$169,000
5642 PINEBAY Circle S, Jacksonville, FL 32244, Jacksonville, FL 32244
Whispering Pines
- Price
- $169,000
- Beds / Baths
- 3 / 2
- Living area
- 1,450 sqft
- Year built
- 1988
- Type
- Townhouse
- Lot
- 0.05 ac
- Garage
- 0
- HOA
- $110/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Duval
- Days on market
- 179
$117/sqft asking, vs a $148/sqft median across 98 closed sales in 32244 over the last 12 months — 21% below the area's closed prices. Condition and lot vary; that's what a showing is for.
Opportunity to own a 3 large 3 bedroom 2 bath home. Excellent for the growing family or as an investment property. Ground floor primary bedroom and an additional 2 bedrooms upstairs. Upstairs full bathroom has jetted spa tub. Recently repainted with new carpeting installed on the upstairs level. Lower level has ceramic tile throughout. Homeowners association fees include pest control, landscaping and exterior maintenance.
What to check on this one
- Verify roof age and get 4-point inspection; 1988 home likely needs wind-mitigation review for insurability.
- Confirm flood zone designation and obtain elevation certificate if in AE/VE zone.
- Review HOA documents for restrictions on rentals, capital reserves, pending assessments.
- Inspect plumbing type (cast-iron risk at 1988 build); verify septic or municipal sewer.
- Pull HOA financials and meeting minutes; confirm $110/mo includes all stated services.
- Get seller disclosure on any prior water intrusion, foundation issues, or structural repairs.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $135,200 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of FLORIDA HOMES REALTY & MTG LLC. Data via realMLS (Northeast Florida MLS), updated Aug 17, 2026, 11:22 PM.
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