This home is in Villages of Pablo, Jacksonville.

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Active·346 days on market·Villages of Pablo

2405 Bluffton Drive W

Jacksonville, FL 32224

$355,000$264/sqftEst. $1,810/moMLS# 2104288

Beds

Baths

1,346

Sq Ft

1987

Built

Garage

Pool

About this home

Villages of Pablo

Villages of Pablo - Remodeled, Move-In Ready Welcome to your beautiful new home in the sought-after Villages of Pablo, a well-established neighborhood in Jacksonville just minutes from the Atlantic Ocean. This community is known for its great amenities and welcoming atmosphere. Key Highlights • Built in 1987 and fully remodeled recently, the home is fresh, modern, and ready to enjoy. • 1,346 square feet of living space with 3 bedrooms and 2 full bathrooms—ideal for comfortable, day-to-day living. • New systems ensure peace of mind: o AC installed in 2022 o Water heater replaced in 2021 Inside the Home Step inside to find open, bright rooms with tastefully updated finishes. The layout flows smoothly, creating a relaxed feel throughout the space. The bedrooms are comfortable, and the bathrooms are clean and modern. Whether you're unwinding or setting up your space your way, this home offers a flexible and comfortable layout.

Cost to own

Mortgage calculator

Home Price

$355,000

Down Payment: 20%

$71,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,810

Principal & Interest: $1,810

Property taxes (est.): $580

Insurance (est.): $237

Estimated Total Monthly

$2,626

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$1,810

Property taxesest. at asking price, Duval County$580

HOAbilled annually$33

Estimated total, before insurance$2,422/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,823/yr · $485/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$325,721	$325,721	—
2024	$315,992	$314,590	—
2023	$289,509	$287,026	—
2022	$260,933	$260,933	—
2021	$203,985	$71,765	—
2020	$193,857	$70,084	—

2024 property taxes (current owner): $5,823/yr

Estimated taxes if purchased at asking price: ~$7,000/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 1987)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,677 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History