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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Pablo Creek Reserve, Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Apr 30, 2026·80 days on market·Recent sales in Pablo Creek Reserve·Pablo Creek Reserve

5172 Wilton Walk Drive

Jacksonville, FL 32224

$1,900,000sold priceListed at $1,950,000 · 97.4% of asking$449/sqftMLS# 2118865
4
Beds
4.5
Baths
4,232
Sq Ft
2013
Built
3
Garage
No
Pool

5 more homes for sale in Pablo Creek Reserve →Search Pablo Creek Reserve on the map

HOA $512/mo0.46 acresWaterfrontSingle Family Residence2 stories

About this home

Pablo Creek Reserve

This Custom Home built by Jerry Linder is located in the highly desirable Pablo Creek Reserve community. The primary suite, living room, kitchen, office, and expansive screened lanai with fireplace and full summer kitchen all overlook a serene water view—perfect for both everyday living and entertaining. Additional features include a fireplace in the living room, spacious open floor plan, and premium finishes throughout. The Wine Cellar is incredible. Upstairs Suite includes bonus room, bedroom and full bath - perfect for dedicated home office with privacy & focus, or as separate quarters for guests, other family members or entertainment etc. Oversized 3 car garage. Conveniently close to Mayo Clinic, beaches, St. Johns Town Center, and major highways. This home is a must-see!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$10,524
Property taxesest. at asking price, Duval County$3,102
HOAbilled quarterly$512
Estimated total, before insurance$14,139/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$15,598/yr · $1,300/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,900,000
$380,000
Loan Term
Monthly Payment
$10,524
Principal & Interest: $10,524
Property taxes (est.): $3,102
Insurance (est.): $1,267
Estimated Total Monthly
$14,893
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Tile — year not disclosed (home built 2013)

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

Solar potential: ~1,785 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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $15,598/yr

Estimated taxes if purchased at asking price: ~$37,200/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, NEFMLS.

History

Price & status history

  • Nov 25, 2025Listed$1,950,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $594/sq ft; this home is listed at $461/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5178 Wilton Walk Drive, Jacksonville, FL 32224Listed by WATSON REALTY CORPAug 2026$1,860,000$5224/33,566960
14061 Magnolia Cove Road, Jacksonville, FL 32224Listed by ENGEL & VOLKERS FIRST COASTSep 2026$2,900,000$6175/54,697490.1
5226 Commissioners Drive, Jacksonville, FL 32224Listed by DOUGLAS ELLIMAN FLORIDASep 2026$1,900,000$5703/3.53,333330.1
14091 Magnolia Cove Road, Jacksonville, FL 32224Listed by REDFIN CORPORATIONAug 2026$1,950,000$4834/4.54,037460.1
14061 Magnolia Cove Road, Jacksonville, FL 32224Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTNov 2025$2,725,000$5945/54,5901910.1
5305 Bentpine Cove Road, Jacksonville, FL 32224Listed by ROOT REALTY LLCAug 2026$3,127,500$6484/54,82340.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,950,000
Price / Sq Ft$461
Bedrooms4
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage4,232
Total Structure Area6,501 sq ft
Acres0.46 acres
Year Built2013
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes

School Information

ElementaryAlimacani
MiddleKernan

Community Information

Address5172 Wilton Walk Drive, Jacksonville, FL 32224
Area027-Intracoastal West-South Of Jt Butler Blvd
SubdivisionPablo Creek Reserve
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size20,037.6 sq ft
Parcel Number1677663505
ZoningResidential

Amenities

AmenitiesBarbecue, Gated, Jogging Path, Park, Playground, Security
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Downstairs, Wine Cellar
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces2
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryLower Level

Exterior

Exterior FeaturesOutdoor Kitchen
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Porch, Rear Porch, Screened
RoofTile
ConstructionStucco
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedNovember 25, 2025
Days on Market80
HOA Fees$1,536 / Quarterly
HOA FrequencyQuarterly
HOA NamePablo Creek Reserve HOA
Tax Amount$15,598.39
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Sold by: FLUID REALTY, LLC. (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Pablo Creek Reserve

Pablo Creek Reserve is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.

View all Pablo Creek Reserve homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 30, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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