Ocean Cay
Homes for Sale in Jacksonville Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of BEYCOME OF FLORIDA LLC · via realMLS
Over the 12 months ending 2026-10-27, 5 recorded sales closed at a median of $865,500, $391 per square foot, a median 9 days on market, sellers accepting 97% of original asking. At the median price and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $15,460 ($14,730 with the full homestead exemption).
| Location | Jacksonville Beach, Duval County, FL · ZIP 32250, 32034 |
|---|---|
| Homes in the community | 183 (FL DOR 2025 assessment roll) |
| Years built | 1997–2001 (median 1999) |
| Typical living area | 2,545 sq ft (median) |
| Sale prices, last 12 months | $865,500 median across 5 closed sales · $391 per sq ft |
| Days on market (closed sales) | 9 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 86% |
| Zoned public schools | Southside Elementary School (A, FLDOE 2025-26); Fernandina Beach Middle School (A, FLDOE 2025-26); Fernandina Beach High School (A, FLDOE 2025-26) |
Data as of October 27, 2026. Data provided by realMLS; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Ocean Cay key facts,” movewithmomentum.com/neighborhoods/ocean-cay-fernandina-beach, data as of October 27, 2026.
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.
Figures in this note are as of July 14, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Ocean Cay market snapshot (as of October 26, 2026): the median sale price is about $866K ($391 per sq ft over the trailing 12 months of closed sales), and a median 9 days on market for closed sales.
Ocean Cay is a community of 183 homes in Jacksonville Beach, Duval County, built between 1997 and 2001 (median 1999), with a median living area of about 2,545 square feet. 86% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
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.
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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.
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.
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.
Recent Developments in Ocean Cay Fernandina Beach
Development, infrastructure, retail, and school activity affecting Ocean Cay Fernandina Beach, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Infrastructure
JEA advances about $690 million in infrastructure projects including Fulton Cut transmission line raise near JAXPORT
JEA is moving forward with three water reclamation projects (Blacks Ford in northwest St. Johns County, over $220 million; near Jacksonville International Airport, about $193 million; East Arlington, just under $165 million) and the $117 million Fulton Cut transmission line clearance over the St. Johns River near Blount Island. Fulton Cut, shared with JAXPORT and the city, is expected to finish in summer 2027 and all four projects by 2030.
What it may mean for the marketRaised power lines support larger ship access to port terminals, and new reclamation capacity supports growth in surrounding areas. The project is about 14 miles south of Ocean Cay Fernandina Beach, elsewhere in Duval County.
Source: News4JAX - September 2026Development
Gateway Jax seeks more than $70 million in city incentives for Riverfront Plaza tower and Hotel Merrydelle
Gateway Jax is requesting about $55.4 million in incentives for a 17-story, roughly $271.5 million Riverfront Plaza tower with 130 to 170 hotel rooms and 50 to 150 residences on Independent Drive. It also seeks a $15 million loan for the nearly $50 million renovation of the former Ambassador Hotel at 420 Julia Street. The Downtown Investment Authority board votes Sept. 16 and City Council has the final say.
What it may mean for the marketIf approved, the projects would add hotel rooms, residences and restaurants along the Downtown riverfront. The project is about 22 miles southwest of Ocean Cay Fernandina Beach, elsewhere in Duval County.
Source: Jacksonville Today - August 2026Builder Activity
Century Communities adds Hidden Lake and Mills Bridge communities in Nassau County
Century closed on Hidden Lake near Amelia Walk, a planned 275-unit community on 80-foot lots, its second self-developed community in Nassau County. It also plans Mills Bridge, a 144-home community on 40 and 50 foot lots, with sales projected to begin in Q1 2027. Its 247-unit Concourse Crossing in Fernandina Beach sold its last home in Q1 2026.
What it may mean for the marketNew-home inventory in the Fernandina Beach area is increasing, with different lot sizes serving different buyer budgets. The site is about 4 miles northwest of Ocean Cay Fernandina Beach.
Source: Nassau NewsLine - July 2026Development
Culinary Institute of America selects Jacksonville for Southeast campus
News4Jax reported that the Culinary Institute of America chose downtown Jacksonville for its Southeast hub, to be located at 330 E. Bay Street on the Northbank riverfront. The campus would anchor a $160.5 million hotel and convention center development. The city previously approved up to $35 million in incentives, and the Downtown Investment Authority is finalizing agreements on design and property details.
What it may mean for the marketAnchors a major downtown riverfront redevelopment that pairs an educational campus with hotel and convention space, adding institutional and commercial investment to the urban core alongside Riverfront Plaza and Pearl Square. The project is about 22 miles southwest of Ocean Cay Fernandina Beach, elsewhere in Duval County.
Source: News4Jax - April 2026Development
Southeast Toyota opens $170M vehicle-processing facility at JAXPORT's Blount Island, adding 400-plus jobs
Southeast Toyota Distributors dedicated a new vehicle processing facility at JAXPORT's Blount Island Marine Terminal in April 2026. The company put the investment at $170 million and said the facility created more than 400 full-time jobs, most of them hired locally.
What it may mean for the marketA large new employment center on Blount Island adds sustained local job demand, a factor that has historically supported nearby housing absorption. The project is about 14 miles south of Ocean Cay Fernandina Beach, elsewhere in Duval County.
Source: JAXPORT - February 2026Infrastructure
JAXPORT details $250M Blount Island modernization and record cargo in 2026 State of the Ports
At its February 2026 State of the Ports address, JAXPORT outlined a $250 million modernization of Blount Island's container and vehicle-handling capabilities and reported record fiscal-2025 cargo volumes. The port also said an air-draft expansion to accommodate larger ships is on track to finish by the end of 2026.
What it may mean for the marketContinued heavy investment in the Blount Island port complex anchors long-term industrial employment on the northeast side, a structural demand driver for the surrounding area. The project is about 14 miles south of Ocean Cay Fernandina Beach, elsewhere in Duval County.
Source: News4Jax
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
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.
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 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.
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
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.
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Recently off market in Ocean Cay
Homes in Ocean Cay 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. 1 on record.
- 414 Portside Drive · off market
Price History: What Homes Here Have Actually Sold For
Median sale prices in Ocean Cay Fernandina Beach year by year since 2015, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Ask an agent about Ocean Cay
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Ocean Cay will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Ocean Cay?
How long do homes in Ocean Cay take to sell?
How many homes are in Ocean Cay?
What share of Ocean Cay is owner-occupied?
When were the homes in Ocean Cay built?
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: October 28, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 26, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 32034/32250)) |
| Under-contract shares | realMLS records, as of 2026-10-25 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2026 (5 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.
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