This home is in Pablo Creek Reserve, Jacksonville — a pool home in Jacksonville.
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Sold·Closed May 15, 2026·14 days on market·Recent sales in Pablo Creek Reserve·Pablo Creek Reserve
14303 Cottage Lake Road
Jacksonville, FL 32224
5 more homes for sale in Pablo Creek Reserve →Search Pablo Creek Reserve on the map
About this home
Pablo Creek Reserve
Set within the exclusive gated community of Pablo Creek Reserve, this stunning 2018-built farmhouse-style residence offers 4,407 sq ft of thoughtfully designed living space, blending refined craftsmanship with everyday comfort. At the heart of the home, the open-concept kitchen, casual dining space, and living room create an inviting area ideal for both entertaining and daily living. The chef's kitchen features Thermador appliances, quartz countertops, double-stacked cabinetry, and generous prep and storage space, flowing seamlessly into the casual dining area and living room, highlighted by a cozy fireplace with built-in cabinetry, 6'' birch wood flooring, custom millwork throughout, and coffered ceiling details that add elegance and architectural interest. The primary suite is located on the main level, offering a private retreat with a spa-like bath featuring a walk-through shower with custom tile, stand-alone soaking tub, and double vanity.
Next steps in Pablo Creek Reserve
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: Metal — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,773 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 homeThis 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
16th Ave S15 min drive · 28 parking spaces
Closest park or preserve
Dutton Island Preserve29 min drive · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 7 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Cradle Creek Preserve Kayak Launch (Long Portage!)about 3 mi · Cradle Creek - San Pablo Creek
Closest youth league fields
Seabreeze Elementary19 min drive · Baseball
Closest grocery store
Publix9 min drive · 4765 Hodges 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,898,202 | $1,695,266 | ▲ $44,801 |
| 2024 | $1,696,782 | $1,646,782 | ▼ $2,208 |
| 2023 | $1,635,279 | $1,332,804 | — |
| 2022 | $1,328,292 | $1,173,878 | — |
| 2021 | $1,067,162 | $1,067,162 | — |
| 2020 | $994,153 | $994,153 | — |
2025 property taxes (current owner): $30,653/yr
Estimated taxes if purchased at asking price: ~$46,800/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.
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 $617/sq ft; this home is listed at $556/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5178 Wilton Walk Drive, Jacksonville, FL 32224Listed by WATSON REALTY CORP | Aug 2026 | $1,860,000 | $522 | 4/3 | 3,566 | 96 | 0 |
| 5226 Commissioners Drive, Jacksonville, FL 32224Listed by DOUGLAS ELLIMAN FLORIDA | Sep 2026 | $1,900,000 | $570 | 3/3.5 | 3,333 | 33 | 0.1 |
| 14091 Magnolia Cove Road, Jacksonville, FL 32224Listed by REDFIN CORPORATION | Aug 2026 | $1,950,000 | $483 | 4/4.5 | 4,037 | 46 | 0.1 |
| 5202 Commissioners Drive, Jacksonville, FL 32224Listed by COMPASS FLORIDA LLC | May 2026 | $2,475,000 | $645 | 4/4.5 | 3,838 | 0 | 0.1 |
| 14061 Magnolia Cove Road, Jacksonville, FL 32224Listed by ENGEL & VOLKERS FIRST COAST | Sep 2026 | $2,900,000 | $617 | 5/5 | 4,697 | 49 | 0.2 |
| 5307 Hidden Hollow Court, Jacksonville, FL 32224Listed by PONTE VEDRA CLUB REALTY, INC. | Jun 2026 | $4,500,000 | $786 | 4/5 | 5,723 | 2 | 0.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Sold by: EXP 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 →Keep looking
More homes in Pablo Creek Reserve
For Sale5244 Commissioners DriveJacksonville, FL 32224
5 bd · 5.5 ba · 4,859 sq ft
$2,975,000Est. $15,834/moWelcome to 5244 Commissioners Drive, a beautifully updated Jacksonville residence offering sophisticated design and…
Listing Office: compass florida llc
For Sale5209 Tallulah Lake CourtJacksonville, FL 32224
4 bd · 4.5 ba · 4,784 sq ft
$3,150,000Est. $16,766/moNestled within prestigious Pablo Creek Reserve, this exceptional custom residence pairs timeless architecture with…
Listing Office: ponte vedra club realty, inc.
For Sale5317 Bentpine Cove RoadJacksonville, FL 32224
5 bd · 5.5 ba · 4,966 sq ft
$3,279,000Est. $17,452/moContemporary Italian Villa set on just over 3/4 acre in prestigious Pablo Creek Reserve. Timeless architecture with…
Listing Office: engel & volkers first coast
For Sale5326 Hala CourtJacksonville, FL 32224
6 bd · 7 ba · 6,140 sq ft
$4,149,000Est. $22,083/moWelcome to 5326 Hala Court, a custom Elwood Collier estate set on nearly one acre in the gated community of Pablo Creek…
Listing Office: engel & volkers first coast
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 15, 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
Is this home priced right?
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines