Townhouse in Pablo Cove, Jacksonville · No CDD on record
Pablo Cove · Jacksonville, FL 32224 · Duval County
Listing data updated October 2, 2026 · refreshed twice daily
Sold Jul 2026 · $455,000
3Bedrooms
2.5Bathrooms
1,794Sq Ft
2020Year Built
$254Per Sq Ft
No CDD on recordFEMA Zone X
This home is sold. It closed on Jul 2026 for $455,000. This page is shown for reference and is no longer for sale.
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
6% below
$/sq ft vs community
$254 here vs $269 median sold (12 mo)
Buyer leverage
Buyer advantage
6.9-month supply
6.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~17 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 2, 2026, 3589 MARSH RESERVE Boulevard in Pablo Cove, Jacksonville is listed at $455,000 (1,794 sq ft, about $254 per sq ft). That sits within a few percent of Pablo Cove's median closed sale of $465,000 over the last 12 months (19 recorded sales). Listing facts: built in 2020, HOA dues of $211/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2020 · 6 yrs
1,794 sq ft of living area
Listed at $455,000 — recent neighborhood median sale price ~$465,000 (nearby sales; deemed reliable, not an appraisal)
HOA $211/mo (per listing)
School district: HOA reported around 200 to County Duval County Florida Schools Duval County Public SchoolsCommunity built 2020–2024Publix · 2 min driveTaco Libre · 3 min driveIsle of Palms Park JAX · 3 min drive
Listing description
About this home
No listing description is available for this property.
Listing descriptions are screened for fair-housing and accuracy compliance before display.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$455,000
Bed / bath3 / 2.5
Living area1,794 sq ft
Year built2020
Property typeTownhouse
MLS #2147339
Listing statusSold · Jul 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~17 ft
CountyDuval
Area listings11 active · 0 under contract
Estimated first-year tax~$7,225/yr
CDD assessmentNone on record
HOA$211/mo
Calculated estimates
Price per sq ft$254
Estimated monthly payment$3,442
Insurance (illustrative)$1k–$2k/yr
Messtimate range$475,410 – $487,968
Comparable-sales median$465,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,442/mo
Principal & interest $2,491/mo72%
Taxes $602/mo17%
Insurance $139/mo4%
HOA $211/mo6%
$3,442/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Duval County rate (17.86 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $4,950/yr ($412/mo) — taxable value $276,817 × 17.86 mills
$2,275 more each year
(+46%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$139,151
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$415,968
Market value
$327,539
Assessed
$276,817
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Duval County Property Appraiser 2025 final millage chart; Duval County School Board FY2025-26 adopted millage. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$211/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~17 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Duval County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Duval County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively High
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveRelatively High
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Pablo Cove
Pricing & the Pablo Cove market
How this home is priced against recent nearby sales, and where Pablo Cove has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Pablo Cove
Each dot is a closed sale since 2020 (240 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2021–2026. This home lists at $254/sq ft.
Median sale price by year
12-month median closed price, 2021–2026.
Property timeline
This home’s history
2020BuiltPer public record
Jul 2, 2026First seen on movewithmomentum.comObserved at $460,000
Jul 2026SoldClosed
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $455,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Pablo Cove in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Oct 2025
$475,000
3491 MARSH RESERVE Boulevard, Jacksonville
3 / 2.5 bd/ba · 1,794 sq ft · $265/sq ft
Courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY · View details →
Sold Aug 2026
$465,000
3475 MARSH RESERVE Boulevard, Jacksonville
3 / 2.5 bd/ba · 1,794 sq ft · $259/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold Jun 2026
$520,000
3559 MARSH RESERVE Boulevard, Jacksonville
3 / 2.5 bd/ba · 1,924 sq ft · $270/sq ft
Courtesy of RE/MAX SPECIALISTS PV · View details →
Sold Jul 2026
$523,050
3557 MARSH RESERVE Boulevard, Jacksonville
3 / 2.5 bd/ba · 1,924 sq ft · $272/sq ft
Courtesy of ANCHORED REAL ESTATE GROUP LLC · View details →
Sold Jun 2026
$427,500
14143 SEA WAVE Lane, Jacksonville
3 / 2.5 bd/ba · 1,613 sq ft · $265/sq ft
Courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY · View details →
Sold Nov 2025
$484,000
3486 OYSTERCATCHER Way, Jacksonville
3 / 2.5 bd/ba · 1,602 sq ft · $302/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Median of these 6 sales: $465,000 ($269/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$475,410the mess$487,968
Stronger local evidence — 6 comparable closed sales in Pablo Cove, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $455,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 3% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $211/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
11 active listings competing
≈6.9 months of supply
19 closed here in the last 12 months
For reference, this home is listed at $455,000 ($254/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,794 sq ft × $265–$272/sq ft (interquartile band of 6 comparable closed sales in Pablo Cove, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 2, 2026.
Momentum Scores
Momentum Property Score
66/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
66/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area64
This home $254/sq ft vs the community 12-month median $269/sq ft.
Affordability54
List price $455,000 vs the community median $465,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~17 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2020 build. Obtain a property-specific quote.
Market liquidity40
Community median 46 days on market, ~6.9 months of supply (12-month record).
Pricing power61
Recent sales closed at about 95.8% of original asking (~4.2% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $254 per square foot, about 6% below the community’s $269 median. Pablo Cove’s 12-month median sold price per square foot is $269. Median sold price per square foot is down 4.1% year over year. Confidence: Medium · 19 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
61% of homes in Pablo Cove are owner-occupied. An estimated 39% are non-owner-occupied, including 10% held in a company or trust and 4% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 221 homes matched. Community-level context.
Recent Pablo Cove sales closed near 95.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 1, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 11 active listings in Pablo Cove, no CDD assessment.
Updated October 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Keep looking
Similar homes for sale near Pablo Cove
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
JWB secures funding for 108 affordable housing units in Jacksonville
Jacksonville Today reported that JWB Real Estate Capital secured about $28.59 million in gap funding for 108 income-restricted units across three Westside sites on Tracy, Justina and Ricker roads. Plans include 38 townhome-style units and two sets of 35 efficiency units, priced at or below 60% of area median income for 50 years. Groundbreaking is expected by September 2026 with completion in 2027.
Why it matters: Adds new income-restricted rental and townhome housing supply on the Westside, increasing the stock of long-term affordable units and drawing public and tax-credit investment into three infill sites. The project is about 18 miles west of Pablo Cove, elsewhere in Duval County.
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.
Why it matters: Anchors 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 12 miles west of Pablo Cove, elsewhere in Duval County.
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
Why it matters: Continued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The project is about 26 miles west of Pablo Cove, elsewhere in Duval County.
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.
Why it matters: A large new employment center on Blount Island adds sustained local job demand, a factor that has historically supported nearby housing absorption. The site is about 8 miles northwest of Pablo Cove.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Duval County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Alimacani ElementaryPublic PreK-5 · Duval County School District · Grade A (Florida DOE 2025-26)
GRADEA
Duncan U. Fletcher MiddlePublic 6-8 · Duval County School District · Grade A (Florida DOE 2025-26)
GRADEA
Sandalwood High SchoolPublic 9-12 · Duval County School District · Grade A (Florida DOE 2025-26)
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 2 min
Dining
Taco Libre 3 min
Shopping
Hodges Plaza 5 min
Parks
Isle of Palms Park JAX 3 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 3589 MARSH RESERVE Boulevard, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2020: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $211/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Duval County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,794 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $7,225/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,275 more per year than the current owner’s estimated bill (+46%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed twice daily (last: October 2, 2026)
Comparable sales
realMLS closed sales in Pablo Cove, last 18 months, as of October 1, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 3589 MARSH RESERVE Boulevard and when was it built?
Per the listing record, 3589 MARSH RESERVE Boulevard was built in 2020 and has 1,794 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3589 MARSH RESERVE Boulevard in?
3589 MARSH RESERVE Boulevard is in Pablo Cove in Jacksonville, Duval County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3589 MARSH RESERVE Boulevard have an HOA, and how much are the dues?
The listing reports HOA dues of $211 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3589 MARSH RESERVE Boulevard differ from the current owner's?
The estimate on this page (about $7,225 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,275 more per year than the current owner’s estimated bill (+46%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3589 MARSH RESERVE Boulevard in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 3589 MARSH RESERVE Boulevard in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and Savannah Ellison, the listing agent, will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
