# 3504 BAY ISLAND Circle, Jacksonville Beach, FL 32250

> **TL;DR:** 4bd/3ba single family, $850,000 ($364/sqft), built 1999, 2,332 sqft.
> Fireplace, Waterfront, A/C. Est. $4,783/mo. Listed 1 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $850,000 |
| Price/sqft | $364 |
| Bedrooms | 4 |
| Bathrooms | 3 full |
| Square Feet | 2,332 |
| Year Built | 1999 |
| Lot Size | 10,454 sqft (0.24 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 1 |

## Why This Home Stands Out

- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $3,683 |
| HOA | $1,100 |
| **Total** | **$4,783** |

## Nearby Schools

- **Elementary:** Seabreeze
- **Middle:** Duncan Fletcher
- **High:** Duncan Fletcher

## Key Amenities

- Fireplace
- Waterfront
- A/C

## Property Highlights

- Built in 1999
- 0.24 acre lot
- 2 stories
- Fireplace
- Waterfront

## Description

### Agent Description
Welcome to Ocean Cay, a charming coastal community just minutes from the beach! This beautifully maintained 4BR/3BA home is situated on a scenic waterfront homesite and offers the perfect blend of comfort, convenience, and coastal living. From the moment you arrive, you'll appreciate the upgraded landscaping, private irrigation well for lower water bills, and attractive paver driveway and front porch. Inside, hardwood floors flow through the main living areas, creating a warm and inviting atmosphere. The spacious owner's suite overlooks the lake and features an ensuite bath with dual vanities, a walk-in shower, and a relaxing garden tub. The fully equipped kitchen offers granite countertops, stainless steel appliances, a pantry, and a cozy breakfast nook, while the formal dining room provides the perfect space for entertaining. Generously sized secondary bedrooms offer plenty of room for family and guests. Large sliding glass doors open to a paver patio where you can relax and enjoy peaceful water views. Ocean Cay residents enjoy access to a community pool, clubhouse, playground, and a convenient gated beach access path for an easy walk to the ocean. Location truly is everything! Just a short walk or bike ride to South Beach Park, featuring playgrounds, basketball courts, sand volleyball courts, and a dog park. Conveniently located near shopping, restaurants, grocery stores, and with easy access to J. Turner Butler Boulevard for commuting throughout Jacksonville. Come experience the beach lifestyle you've been dreaming of!

## Location

- **Address:** 3504 BAY ISLAND Circle, Jacksonville Beach, FL 32250
- **County:** Duval
- **Neighborhood:** Ocean Cay
- **Coordinates:** 30.262415, -81.39258
- **Google Maps:** https://www.google.com/maps?q=30.262415,-81.39258

## Virtual Tour & Media

- **Video Tour:** https://www.zillow.com/view-imx/46bb20ad-5b14-4be2-b453-e94479259df6?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

## Listing Agent

- **Name:** CINDY GAVIN
- **Brokerage:** RE/MAX SPECIALISTS
- **Phone:** 9044653397
- **Email:** cindysellsjax@gmail.com

## Primary Photo

![3504 BAY ISLAND Circle - Primary Photo](http://lh.rdcpix.com/0ae7b54fa3c870e6c7455d411653c045l-f3372871764r.jpg)

*34 total photos available on [listing page](https://www.propertysimple.com/listing/3504-bay-island-circle-jacksonville-beach-fl-32250-2149803)*

---

**MLS#:** 2149803 | **Updated:** 2026-06-18
**Source:** listhub

*Copyright © 2026 realMLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.com/listing/3504-bay-island-circle-jacksonville-beach-fl-32250-2149803)

---

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