Bay Harbour
Homes for Sale in Jacksonville, FL
All 4,026 homes for sale in Jacksonville, FL · median $299,900 · 320 homes for sale in 32218 · Duval County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of CRYSTAL CLEAR REALTY, LLC · via realMLS
As of October 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, 8,268 homes closed in the last 12 months at a median of $311,134, 43 median days on market, with 2,422 homes for sale today. At that median and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $5,560 ($4,820 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.
Nearby homes for sale
No active listings inside Bay Harbour right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
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.
realMLS (Northeast Florida) sales records identify 8 homes in Bay Harbour that have changed hands since 2007, built between 1995 and 2025 (median 1998), with a median living area of about 2,612 sq ft and a typical 4-bedroom, 3-bath layout; 100% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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.
Swipe or use the arrows → tap any photo to enlarge
Photos 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, 461 homes are on the market and 30% are under contract — a steady corner of Jacksonville.
Across Duval County, 3,953 homes are active and 1,522 pending (28% under contract).
In ZIP 32218 (Jacksonville), 1,145 homes closed in the last 12 months at a median of $302K ($171/sq ft), down 0.3% year over year, with a median 41 days on market. Right now 225 active and 107 pending listings put supply at about 6.6 months — a balanced market. See the live ZIP 32218 housing market and the Duval County market.
ZIP and county figures describe the wider market, not Bay Harbour specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Bay Harbour, Jacksonville
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
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 dues reported around $29/month (about $348/yr) · median of 38 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $29 per month ($348 a year) — the median AssociationFee across 38 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 all homes for sale in Jacksonville →
Recently off market in Bay Harbour
Homes in Bay Harbour that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 10860 Peaceful Harbor Drive · off market
- 10892 Peaceful Harbor Drive · off market
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.
Frequently Asked Questions
How many homes are in Bay Harbour?
What share of Bay Harbour is owner-occupied?
When were the homes in Bay Harbour built?
Who is the best real estate agent for Bay Harbour?
How do I find a top Jacksonville real estate agent who knows Bay Harbour?
Can Momentum Realty connect me with an agent for Bay Harbour?
Where is Bay Harbour, and what county is it in?
How far is Bay Harbour from downtown Jacksonville and the beach?
Should you buy in Bay Harbour?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32218)) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| 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 local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
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:
Nearby Communities
Explore more neighborhoods near Bay Harbour with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Bay Harbour. These are the public schools most often assigned to other communities in ZIP 32218; zones change and vary by address, so confirm with the district before you buy.
- First Coast High School · 9-12 · FLDOE grade C (assigned to 56 nearby communities)
- Highlands Middle School · 6-8 · FLDOE grade C (assigned to 35 nearby communities)
- Oceanway Elementary School · PreK-5 · FLDOE grade B (assigned to 17 nearby communities)
- Oceanway School · 6-8 (zoned; confirm by address) · FLDOE grade C (assigned to 13 nearby communities)
- Garden City Elementary School · K-5 (zoned, confirm by address) · FLDOE grade C (assigned to 10 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).












