This home is in Pablo Bay, Jacksonville — a home near Atlantic Coast High School.
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Sold·Closed May 15, 2026·34 days on market·Recent sales in Pablo Bay·Pablo Bay
13785 Waterchase Way
Jacksonville, FL 32224
4 more homes for sale in Pablo Bay →Search Pablo Bay on the map
About this home
Pablo Bay
Lots of potential in this one owner home with great floorplan in sought after Pablo Bay. Conveniently located close to the Mayo Clinic, shopping, restaurants and a short drive to the beach! Home also features a split bedroom floorplan with a built in office area. Screened in back porch, sunroom, iron fenced in backyard. Gas fireplace. Wood flooring with tile flooring underneath. Lots of potential and lots of space to grow. Home is being sold AS-IS, needs some repairs and updating and is priced accordingly.
Next steps in Pablo Bay
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: Shingle — year not disclosed (home built 2003)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,740 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
Springhill Suites19 min drive · 206 parking spaces
Closest park or preserve
Dutton Island Preserve19 min drive · 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 Dockabout 2 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Patton Park18 min drive · Soccer
Closest grocery store
Target11 min drive · 13740 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2024 | $611,177 | $322,009 | ▼ $133 |
| 2023 | $598,683 | $311,174 | — |
| 2022 | $514,818 | $300,655 | — |
2025 property taxes (current owner): $6,442/yr
Estimated taxes if purchased at asking price: ~$9,200/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 (2024), 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 $292/sq ft; this home is listed at $195/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 13780 Harbor Creek Place, Jacksonville, FL 32224Listed by REAL BROKER LLC | Oct 2026 | $640,000 | $240 | 5/4 | 2,667 | 38 | 0.4 |
| 3719 Sea Hawk Street E, Jacksonville, FL 32224Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC. | Sep 2026 | $425,000 | $191 | 4/2.5 | 2,227 | 99 | 0.4 |
| 3637 Crossview Drive, Jacksonville, FL 32224Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $860,000 | $300 | 4/3 | 2,862 | 28 | 0.5 |
| 3601 Crossview Drive, Jacksonville, FL 32224Listed by NEXT MOVE ATLANTIC COAST | Sep 2026 | $905,000 | $310 | 4/3 | 2,919 | 17 | 0.5 |
| 13725 Macapa Road, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $345,000 | $145 | 4/2 | 2,382 | 58 | 0.8 |
| 13175 Wexford Hollow Road N, Jacksonville, FL 32224Listed by INI REALTY | Sep 2026 | $870,000 | $292 | 5/4.5 | 2,984 | 59 | 0.9 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
Sold by: COLDWELL BANKER VANGUARD REALTY (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 Bay
Pablo Bay is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.
View all Pablo Bay homes for sale →Keep looking
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Under Contract13925 White Heron PlaceJacksonville, FL 32224
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Under Contract3842 Deer Chase Place EJacksonville, FL 32224
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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?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
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