Bay Harbour
Homes for Sale in Jacksonville, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of CRYSTAL CLEAR REALTY, LLC · via realMLS
As of September 2026, the MLS records 10 closed sales in Bay Harbour in Jacksonville, FL since 2007, the most recent in June 2026. Across Jacksonville as a whole, 8,846 homes closed in the last 12 months at a median of $305,375, 44 median days on market, with 2,385 homes for sale today. At that median and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $5,460 ($4,720 with the full homestead exemption).
Bay Harbour is a small, established pocket in Jacksonville — 28 homes, built between 1995 and 2018, with a median size north of 3,200 square feet. Price here is driven less by any single list figure and more by condition and vintage: a 1990s home that hasn't been updated and a later build in the same neighborhood are not the same product, and the spread reflects that. Treat any one number as a starting point, not a verdict.
With about 82% of homes under homestead exemption, this is an owner-occupied enclave, not an investor churn. Turnover is thin by definition when the community is this small, so inventory moves in ones and twos. For a seller that means condition and presentation carry real weight; for a buyer it means patience — the right home appears when it appears, and you move decisively when it does.
The 60-Second Overview
Bay Harbour is a compact, owner-heavy community of larger homes in Duval County, where the age range spans roughly two decades of construction and the value question is almost always about how a given home has been maintained and updated.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Bay Harbour. Swipe to explore the community.
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Bay HarbourPhotos from realMLS listings in Bay Harbour; content deemed reliable but not guaranteed.
Who Bay Harbour is best for.
Best for
- Buyers prioritizing square footage who want an established setting over a new subdivision
- Long-hold owner-occupants comfortable in a small, stable community
- Buyers willing to wait for the right listing and act decisively when it surfaces
Probably not for
- Buyers needing a broad selection or homes coming to market frequently
- Investors seeking high turnover or rental-driven activity
- Buyers wanting a smaller, lower-maintenance footprint
The market around Bay Harbour
Bay Harbour is too small for its own price trend, so here is the market around it.
In ZIP 32218, 481 homes are on the market and 32% are under contract — a fast-moving corner of Jacksonville.
Across Duval County, 3,937 homes are active and 1,726 pending (30% under contract).
ZIP and county figures describe the wider market, not Bay Harbour specifically. Momentum Research analysis of MLS records.
The Bay Harbour buying strategy.
If we were buying in Bay Harbour today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Bay Harbour.
A small pool of larger homes
The defining trait here is scale paired with scarcity. A median living area above 3,200 square feet puts these firmly in the larger-home category, and with only 28 homes total, comparable sales are limited. That thin comp set makes pricing more of a judgment call than a formula — the nearest recent sale may be a different vintage or in a different state of repair, and both sides of a deal need to account for that.
The 1995-to-2018 build window matters practically. Earlier homes may be candidates for kitchen, bath, roof, and mechanical updates; later builds carry newer systems and layouts. Neither is automatically better — but the difference should show up in the price you accept or offer, and it's the single biggest thing to underwrite before you commit.
The location and the amenities are priced into every listing in Bay Harbour. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 28-home community, there is no substitute for knowing the individual homes and how they differ. We track what actually trades here, weigh vintage and condition against the limited comp set, and price accordingly — instead of leaning on a broad average that flattens real differences. Whether you're listing or hunting, that granularity is where money is made or lost.
Bay Harbour in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Bay Harbour buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Bay Harbour sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bay Harbour, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bay Harbour home worth?
Get a no-obligation home value based on real comparable sales in Bay Harbour, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Bay Harbour on the map →
Should you buy in Bay Harbour?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Bay Harbour with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 30, 2026) |
| Under-contract shares | realMLS records, as of 2026-08-30 |
| Historical depth | Closed-sale records back to 2007 (10 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live your area comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Bay Harbour fits the bigger picture — live prices, inventory, and Momentum Scores:
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Duval County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Duval County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Bay Harbour Market Scorecard
Bay Harbour is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32218 ZIP is $299,907, about 12.0% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.