$539,000
4528 BAY HARBOUR Drive, Jacksonville, FL 32225, Jacksonville, FL 32225
Harbour North
- Price
- $539,000
- Beds / Baths
- 4 / 3
- Living area
- 2,184 sqft
- Year built
- 1989
- Type
- Residential
- Lot
- 0.19 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Duval
- Days on market
- 10
$247/sqft asking, vs a $210/sqft median across 1,006 closed sales in 32225 over the last 12 months — 18% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Live in beautiful Ft. Caroline in the well-established Harbour North neighborhood where all homes are unique, not cookie cutter. Community shares their own private boat ramp with access to the St. John's River. This home is located on a quiet and peaceful street and has been beautifully loved and maintained. Has newer wood look flooring throughout, new irrigation system, water softener w/reverse osmosis, updated kitchen with whirlpool stainless appliances, tastefully updated bathrooms, custom built-ins in living & family rooms, backyard fully fenced w/wood fencing, new garage door, woodburning fireplace, all appliances convey including washer & dryer, pantry & ample storage, walk in closet in owner's suite, screened in Florida room w/side patio overlooks nice sized & manicured backyard, new roof being installed. A one year 2-10 Standard home warranty is also included! A voluntary civic HOA w/small fee & small fee to use boat ramp, subject to change. Home being sold to settle an estate.
What to check on this one
- Verify roof installation completion date and warranty coverage details.
- Confirm flood zone designation and obtain elevation certificate if in AE/VE.
- Request HOA docs: current fees, boat ramp access terms, amendment history.
- Inspect plumbing type (polybutylene/cast-iron concerns for 1989 build).
- Review 2-10 warranty terms, coverage limits, and claim process.
- Verify all appliances convey in writing; confirm washer/dryer included.
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 $431,200 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 MERO REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 30, 2026, 6:40 AM.
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