Single Family Residence in Pablo Creek Reserve, Jacksonville · No CDD
Pablo Creek Reserve · Jacksonville, FL 32224 · Duval
Listing data updated August 7, 2026 · refreshed twice daily
5Bedrooms
6.5Bathrooms
5,006Sq Ft
2016Year Built
$598Per Sq Ft
Private pool3-car garageNo CDDFEMA Zone X5 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$598 here vs $594 median sold (12 mo)
Buyer leverage
Seller-leaning
1 days on market
3.2 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$8k–$18k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Listed at $2,995,000 — recent neighborhood median sale price ~$2,535,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
School district: HOA maintains gates County Duval County Florida Schools Duval County Public SchoolsCommunity built 2010–2024UF Shands · 2 min driveSouthern Grounds & Co · 3 min drivePublix · 4 min drive
Momentum Research · Pablo Creek Reserve
Pricing & the Pablo Creek Reserve market
How this home is priced against recent nearby sales, and where Pablo Creek Reserve 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 Creek Reserve
Each dot is a closed sale since 2007 (230 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, 2012–2026. This home lists at $598/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 45 (normal).
Property timeline
This home’s history
2016BuiltPer public record
Aug 7, 2026First trackedObserved at $2,995,000
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$19,067/mo
Principal & interest $15,176/mo80%
Taxes $2,845/mo15%
Insurance $996/mo5%
HOA $50/mo0%
$19,067/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Estimated from today’s asking price and current Duval County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $27,525/yr ($2,294/mo)
+$25,075 more each year
(+91%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$976,478
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.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
54/100
Strongest on: Flood safety (95), Pricing power (87)
0 limited50100 exceptional
54/100 is below average 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 area48
This home $598/sq ft vs the community 12-month median $594/sq ft.
Affordability20
List price $2,995,000 vs the community median $2,535,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2016 build. Obtain a property-specific quote.
Market liquidity44
Community median 91 days on market, ~3.2 months of supply (12-month record).
Renovation upside10
From a 2016 build and $598/sq ft vs the community median $594/sq ft. Not a condition assessment.
Buyer competition50
50% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power87
Recent sales closed at about 90.7% of original asking (~9.3% below). More room below asking generally favors buyers.
Market timing55
Momentum Market Heat is 45/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 3.2 months of supply in the surrounding market and 1 days on market for this home, against a 91-day area median.Days on market:this home 1Area median: 91 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 5, 2026.
🟡 Asking $598 per square foot, about in line with the community’s $594 median. Pablo Creek Reserve’s 12-month median sold price per square foot is $594. Median sold price per square foot is up 2.4% year over year. Confidence: Medium · 17 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.
81% of homes in Pablo Creek Reserve are owner-occupied. An estimated 19% are non-owner-occupied, including 15% held in a company or trust and 2% 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), 251 homes matched. Community-level context.
Recent Pablo Creek Reserve sales closed near 90.7% of original asking. Cash paid for about 50% of recent closings here.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 August 5, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4 active listings in Pablo Creek Reserve, no CDD assessment.
Updated August 7, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Inspired by the timeless elegance of Modern Spanish architecture, this exceptional 5-BR, 6.5-bath courtyard home seamlessly blends sophisticated interiors with extraordinary outdoor living. Distinctive details include white stucco, exposed rafter tails, a traditional barrel tile roof, cedar beams, and authentic stone columns. A grand foyer opens to the impressive central courtyard, creating a stunning setting for entertaining, while a separate side courtyard offers another inviting outdoor space.At the heart of the home, the chef's kitchen features rich wood cabinetry, marble countertops, professional-grade appliances, a massive center island with additional seating, and a separate prep kitchen.
The dramatic living room showcases soaring ceilings, a grand fireplace, and wide-plank distressed oak flooring. Expansive doors open to the covered lanai, pool, summer kitchen, and outdoor fireplace, overlooking the fenced backyard and natural preserve.The lavish primary suite features its own own fireplace and direct access to the outdoor living area. The spa-inspired bath offers a walk-in shower and soaking tub, while the generous walk-in closet includes the convenience of a private washer and dryer.
Designed for both entertaining and everyday living, this remarkable single-story residence combines timeless architecture, exceptional indoor-outdoor spaces, and an impressive estate-sized lot.
Description provided by HOME PLACE REALTY and reproduced from the MLS; not independently verified.
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$2,995,000
Bed / bath5 / 6.5
Living area5,006 sq ft
Year built2016
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #2159048
Listing statusNew — 1 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureModerate
CountyDuval
Area listings4 active · 3 under contract
Estimated first-year tax~$34,143/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$598
Estimated monthly payment$19,067
Insurance (illustrative)$8k–$18k/yr
Messtimate range$2,878,450 – $3,088,702
Comparable-sales median$2,535,000
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
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.
$2,878,450the mess$3,088,702
Actual list price: $2,995,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 7% 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 — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 1 days on market vs. a 91-day community median
5 active listings competing, 3 under contract
≈3.2 months of supply
15 closed here in the last 12 months
For reference, this home is listed at $2,995,000 ($598/sq ft) — a number set with analysis a Messtimate can't do.
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: 5,006 sq ft × $575–$617/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 7, 2026.
Keep looking
Similar homes for sale near Pablo Creek Reserve
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.
Listed for $2,995,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.
Property tax (first-year est.)
~$34,143/yr
A rough first-year estimate only, applying a typical Duval rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$8k–$18k/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
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~20 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in Pablo Creek Reserve
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Pablo Creek Reserve neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$2,535,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$594
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Pablo Creek Reserve
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Retail Dining
First restaurants named for The Village at Seven Pines on the Butler corridor
Regency Centers announced the first restaurants for The Village at Seven Pines, the Publix anchored center it is developing at southeast Interstate 295 and Butler Boulevard, naming Ember and Iron, Hawkers Asian Street Food, Lynora's, 1928 Cuban Bistro and Chipotle Mexican Grill. The restaurants are expected to open in 2027 as part of the roughly 1,000 acre Seven Pines master plan.
Why it matters: A deeper dining lineup at a grocery anchored center on the Butler corridor could broaden options within a short drive of Pablo Creek Reserve, with the effect dependent on opening timing.
Village at Seven Pines breaks ground on the Butler corridor
Regency Centers broke ground on a Publix-anchored open-air center at Butler Boulevard and I-295 with tenants including Williams Sonoma, Pottery Barn Kids and several restaurants. The first stores are expected to open in 2027 within the 1,000-acre Seven Pines community.
Why it matters: Upscale retail along the Butler corridor may broaden shopping options near Pablo Creek Reserve, with the magnitude depending on tenant openings.
Town Center area adds retail, restaurants and a $110M shopping-center sale
Coverage of the St. Johns Town Center area noted Kimco Realty's $110 million purchase of The Markets at Town Center and new openings including Petfolk, a Veterinary Emergency Group, PopUp Bagels and the Town Center II strip center. The Town Center district is a short drive from Pablo Creek Reserve.
Why it matters: Continued reinvestment in the nearby Town Center retail base can reinforce the area's draw, though individual tenant performance varies.
Pablo Creek Reserve home on Bentpine Cove sells for $1.9 million
A four-bedroom, 3,635-square-foot home built in 2018 at 5227 Bentpine Cove sold Sept. 30 for $1.9 million. The home, on 0.34 acre, includes a saltwater pool, guest suite and summer kitchen.
Why it matters: Verified transaction data at this price helps establish a recent comparable for similarly sized homes in the community.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 4 min
Shopping
Windsor Commons 4 min
Parks
Swimming Safari 4 min
Health
UF Shands 2 min
Assigned schools
Assigned schools
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
AlimacaniAssigned elementary school · Duval County School District · Grade A (Florida DOE 2025-26)
GRADEB
KernanAssigned middle school · Duval County School District · Grade B (Florida DOE 2025-26)
GRADEA
Atlantic CoastAssigned high school · Duval County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Mar 2026
$2,935,000
5341 BENTPINE COVE Road, Jacksonville
4 / 4.5 bd/ba · 4,933 sq ft · $595/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · View details →
Sold May 2026
$2,749,000
5263 TALLULAH LAKE Court, Jacksonville
6 / 5 bd/ba · 4,782 sq ft · $575/sq ft
Courtesy of ROOT REALTY LLC · View details →
Sold Nov 2025
$2,725,000
14061 MAGNOLIA COVE Road, Jacksonville
5 / 5 bd/ba · 4,590 sq ft · $594/sq ft
Courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · View details →
Sold Jun 2026
$3,450,000
5367 CHANDLER BEND Drive, Jacksonville
5 / 5.5 bd/ba · 5,588 sq ft · $617/sq ft
Courtesy of PONTE VEDRA CLUB REALTY, INC. · View details →
Courtesy of PONTE VEDRA CLUB REALTY, INC. · View details →
Community 12-month median: $594/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$13,727 – $19,967/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$5,764 – −$148At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: August 7, 2026)
Community market stats
realMLS closed sales, as of August 5, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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 5300 CHANDLER BEND Drive in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty 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 a typical county millage rate to the list price 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.
