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This home is in Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Feb 20, 2026·46 days on market·Recent sales in New Construction — Jacksonville

3432 Marsh Reserve Boulevard

Jacksonville, FL 32224

$625,000sold priceListed at $635,000 · 98.4% of asking$283/sqftMLS# 2121810

Beds

2.5

Baths

2,206

Sq Ft

2022

Built

Garage

Pool

HOA $211/mo2,614 sqft lotWaterfrontTownhouse2 stories

About this home

Jacksonville

Welcome home to the pristine, gated community of Pablo Cove. Step into the Neptune floor plan—a thoughtfully designed residence offering 3 bedrooms, 2.5 bathrooms, and a spacious bonus room ideal for a home office, playroom, or media space. Perfectly situated on a premium lot, this home showcases serene water views and exceptional privacy, with a peaceful blend of pond and wooded vistas that truly sets it apart. At the heart of the home is a gourmet kitchen featuring quartz countertops, a gas range, modern cabinetry, under-cabinet lighting, designer fixtures, and an custom built pantry complete with a wine rack. The open-concept layout flows seamlessly into the living and dining areas and extends to the screened-in patio—perfect for entertaining or unwinding after a long day. Upstairs, enjoy tranquil water views from the spacious primary suite, complete with an ensuite bath and custom designed oversized closet.

Next steps in New Construction — Jacksonville

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$3,435

Property taxesest. at asking price, Duval County$1,021

HOAbilled monthly$211

Estimated total, before insurance$4,666/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,388/yr · $616/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).

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: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,437 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
Sea Walk Pavillion Ii
about 3 mi · 204 parking spaces
Closest park or preserve
Dutton Island Preserve
about 4 mi · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)
about 5 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dock
about 1 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Patton Park
about 2 mi · Soccer
Closest grocery store
Publix
about 0.3 mi · 14444 Beach Blvd, Jacksonville

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,388/yr

Estimated taxes if purchased at asking price: ~$12,200/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.

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 $271/sq ft; this home is listed at $288/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
14113 Backbarrier Road, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLC	Aug 2026	$455,000	$286	3/2.5	1,589	106	0.1
3475 Marsh Reserve Boulevard, Jacksonville, FL 32224Listed by COMPASS FLORIDA LLC	Aug 2026	$465,000	$259	3/2.5	1,794	8	0.1
14129 Sea Wave Lane, Jacksonville, FL 32224Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST	Jul 2026	$448,000	$282	3/2.5	1,589	14	0.1
14179 Sea Wave Lane, Jacksonville, FL 32224Listed by MOMENTUM REALTY	Jul 2026	$430,000	$271	3/2.5	1,589	66	0.1
3566 Marsh Reserve Boulevard, Jacksonville, FL 32224Listed by PONTE VEDRA CLUB REALTY, INC.	Sep 2026	$420,000	$264	3/2.5	1,589	58	0.2
3618 Marsh Reserve Boulevard, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Aug 2026	$410,000	$265	3/2.5	1,550	41	0.2

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$635,000

Price / Sq Ft$288

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,206

Acres0.06 acres

Year Built2022

TypeResidential

Sub-TypeTownhouse

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

This listingNo schools reported in the MLS

ElementaryAlimacani, reported on 22 other Pablo Cove listings

MiddleKernan, reported on 22 other Pablo Cove listings

HighAtlantic Coast, reported on 16 other Pablo Cove listings

County schoolsJacksonville Area Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address3432 Marsh Reserve Boulevard, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionPablo Cove

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size2,613.6 sq ft

Parcel Number1670531250

Amenities

AmenitiesPool, Barbecue, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Trash

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

LaundryIn Unit, Upper Level

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Patio, Screened

RoofShingle

ConstructionFiber Cement, Frame

Road SurfaceAsphalt

Additional Information

Date ListedDecember 16, 2025

Days on Market46

HOA Fees$211 / Monthly

HOA FrequencyMonthly

HOA Fee IncludesInsurance, Maintenance Grounds, Pest Control

Tax Amount$7,387.69

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: ANCHORED REAL ESTATE GROUP LLC

Sold by: DJ & LINDSEY REAL ESTATE (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.

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