Ocean Cay
Homes for Sale in Jacksonville Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Ocean Cay is a small, tightly held community of 183 homes built between 1997 and 2001, with a median living area around 2,545 square feet, so what you are pricing is largely a vintage-and-size story rather than a wide mix of product types. Median price sits at $810,000, or roughly $365 per square foot, and with only one active listing against 183 total homes, any single property's condition and lot can move the read on value more than it would in a deeper market.
The current posture reads buyer-leaning, with months of supply at 12.0 and a median 73 days on market, which tells you pricing here rewards patience and negotiation rather than urgency. That sits against 4.7% year-over-year appreciation and roughly 130% cumulative growth since 2012 — steady long-run gains, but not evidence that any given listing today is priced to move quickly.
Ocean Cay right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of August 28, 2026. Confidence: Medium (1 active and pending listings, 8 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($818K) is up 5.6% from the prior 12 months ($774K) and up 133% since 2012. With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending August 28. Confidence: Low (8 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 28, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Ocean Cay market snapshot (as of August 28, 2026): the median sale price is about $818K ($361 per sq ft over the trailing 12 months of closed sales), a median 77 days on market for closed sales, and 12.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 6% from the prior 12 months and up 133% since 2012, computed from record-level realMLS closed sales (8 closings in the current window).
A 183-home enclave in Jacksonville Beach built mostly between 1997 and 2001, Ocean Cay trades on a thin, low-turnover inventory rather than volume — the kind of community where a single listing can shift what the market looks like.
The setting & the homes.
Aerial and on-site photos of Ocean Cay. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Ocean CayPhotos from realMLS listings in Ocean Cay; content deemed reliable but not guaranteed.
Who Ocean Cay is best for.
Best for
- Buyers who want a larger living area (median 2,545 sq ft) and are comfortable with an earlier, well-established build era.
- Buyers with flexible timelines who can wait for the right listing rather than needing to choose among several right now.
- Sellers who want a valuation grounded in a narrow, comparable set of similarly aged, similarly sized homes.
Probably not for
- Buyers who want to compare multiple active listings before making a decision.
- Buyers on a tight timeline who cannot wait out a market with only one listing available.
- Investors expecting a high-turnover market with frequent resale activity, given the high homestead share and thin closings volume.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 28 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($818K) IS the median in the snapshot above, and the move from 2025 ($774K) IS the +5.6% one-year change.
Windows contain 5 to 16 sales each (8 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Nassau 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 · Nassau 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.
Ocean Cay Market Scorecard
Ocean Cay is currently a strong buyer's market. About 12.0 months of supply, a median asking price of $799,900, and homes go under contract in about 106 days.
Typical home value in the 32034 ZIP is $615,846, about 26.3% above 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.
Housing distress & ownership in Ocean Cay, Jacksonville Beach
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.
Homes For Sale Right Now in Ocean Cay
Live MLS inventory for Ocean Cay. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Ocean Cay listings as of 2026-08-28, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
How far is everything?
Everyday stops around Ocean Cay are close: the nearest dining is about 2 minutes away.
- Salt · Dining2 min
- First Drop Coffee House · Coffee2 min
- Harris Teeter Pharmacy · Groceries5 min
- Palmetto Walk Shopping Village · Shopping5 min
- Peters Point Beachfront Park · Parks5 min
- VITAS Healthcare · Health9 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Duval County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Southside Elementary SchoolFLDOE grade A · Public (zoned; confirm by address)
- Fernandina Beach Middle SchoolFLDOE grade A · Public 6-8 (zoned; confirm by address)
- Fernandina Beach High SchoolFLDOE grade A · Public 9-12 (zoned; confirm by address)
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Duval County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Ocean Cay address.
The Ocean Cay buying strategy.
If we were buying in Ocean Cay 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Ocean Cay.
A 1997 to 2001 enclave with thin inventory
With only one active listing across 183 homes, Ocean Cay does not generate the churn that lets a market self-correct quickly on price. The homes themselves are consistent in age — built 1997 to 2001, median year 1999 — and consistent in scale, with a median living area of 2,545 square feet, so the comp set is narrower and more homogenous than in newer or larger subdivisions nearby.
The homestead exemption share here is 85.8%, meaning the large majority of homes are owner-occupied rather than held as rentals or investment flips — a factor that helps explain why so few listings hit the market in a given window (the recent closings window recorded just 7 sales). At a median 73 days on market and 12.0 months of supply, this reads as a market where sellers should expect negotiation and buyers should expect to wait for the right unit rather than choose among several.
The location and the amenities are priced into every listing in Ocean Cay. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Ocean Cay buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (5.3). Basis: Long-Term Appreciation +133% since 2012; Recent Direction +5.6% year-over-year; Liquidity & Demand 12.0 months of supply; Pricing Power 93.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A community with one active listing and 183 total homes does not give you much to triangulate against with generic search tools. Momentum tracks Ocean Cay's closings, pricing, and turnover pattern directly, so when the rare listing surfaces — or when it is time to price one for sale — you are working from a read on the actual thin-inventory dynamics here rather than a citywide average that does not reflect this specific enclave.
Ocean Cay in 15 seconds.
HOA, CDD & Fees
- No CDD
- 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.
Page states no CDD.
Tools for a Ocean Cay 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 Ocean Cay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Ocean Cay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Ocean Cay home worth?
Get a no-obligation home value based on real comparable sales in Ocean Cay, 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 Ocean Cay on the map →
Or get your Ocean Cay home value & selling guide →
Frequently Asked Questions
What is the median home price in Ocean Cay?
How long do homes in Ocean Cay take to sell?
Is Ocean Cay a buyer's or seller's market right now?
Have Ocean Cay home prices gone up?
What schools serve Ocean Cay?
Who is the best real estate agent for Ocean Cay?
How do I find a top Jacksonville Beach real estate agent who knows Ocean Cay?
Can Momentum Realty connect me with an agent for Ocean Cay?
Should you buy in Ocean Cay?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Ocean Cay with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 28, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending August 28, 2026 |
| Under-contract shares | realMLS records, as of 2026-08-28 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2001 (255 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.
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See how Ocean Cay fits the bigger picture — live prices, inventory, and Momentum Scores: