$196,500
5646 PINEBAY Circle S, Jacksonville, FL 32244, Jacksonville, FL 32244
Whispering Pines
- Price
- $196,500
- Beds / Baths
- 2 / 2
- Living area
- 1,210 sqft
- Year built
- 1988
- Type
- Townhouse
- Lot
- 0.11 ac
- Garage
- 0
- HOA
- $110/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Duval
- Days on market
- 8
$162/sqft asking, vs a $148/sqft median across 98 closed sales in 32244 over the last 12 months — 10% above the area's closed prices. Condition and lot vary; that's what a showing is for.
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
What to check on this one
- Verify roof age and condition; 1988 home may need inspection soon for insurance eligibility.
- Obtain 4-point inspection report (required by most insurers on homes 25+ years old).
- Confirm flood zone designation and request elevation certificate if in AE or VE zone.
- Review complete HOA documents: bylaws, reserve study, rental restrictions, special assessments.
- Inspect plumbing materials; cast-iron drain lines common in 1988 builds—check for deterioration.
- Verify HVAC system age and maintenance history; original units unlikely at 36 years.
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 $157,200 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 SUPREME PATH BROKERAGE LLC. Data via realMLS (Northeast Florida MLS), updated Aug 25, 2026, 2:48 PM.
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