This home is in Pablo Bay, Jacksonville.

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Active

Active·109 days on market·Pablo Bay

13781 Shady Woods Street N

Jacksonville, FL 32224

$679,900$254/sqftEst. $3,619/moMLS# 2137287

Beds

Baths

2,675

Sq Ft

2005

Built

Garage

Pool

About this home

Pablo Bay

Experience refined Florida luxury living just minutes to the beach in this exceptional residence designed for comfort and style. The open-concept main living area features a spacious dining room and a stunning picture bay window overlooking a serene preserve. High ceilings, wood floors, crown molding, and a gas fireplace with mantle elevate the interior, while the screened lanai with tile flooring offers seamless indoor-outdoor living. Retreat to a private primary suite complete with walk-in closet, dual sinks, and a garden tub with separate shower. Step outside through your private entrance to the patio and take in peaceful views. Additional highlights include an enlarged paver driveway and fenced courtyard entry. A standout feature is the detached 1BR/1BA apartment with its own living room, wet bar, and extra storage--ideal for multigenerational living or guests. Located near top shopping, schools, and resort-style community amenities, this is Florida living at its finest.

Cost to own

Mortgage calculator

Home Price

$679,900

Down Payment: 20%

$135,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,456

Principal & Interest: $3,456

Est. Taxes & Insurance: $864

Estimated Total Monthly

$4,320

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,619

Property taxesest. at asking price, Duval County$1,110

HOAbilled annually$133

Estimated total, before insurance$4,862/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$614,844	$358,185	▲ $5,000
2024	$610,121	$347,383	—
2023	$597,493	$335,809	—
2022	$513,735	$324,572	—
2021	$363,663	$313,663	—
2020	$358,168	$358,168	▲ $16,062

2023 property taxes (current owner): $6,405/yr

Estimated taxes if purchased at asking price: ~$13,300/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: Shingle — year not disclosed (home built 2005)

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: ~1,792 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Mar 29, 2026Listed$679,900

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

Features

Price$679,900

Price / Sq Ft$254

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,675

Acres0.17 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Ranch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryAlimacani

MiddleKernan

Community Information

Address13781 Shady Woods Street N, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionPablo Bay

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size7,405.2 sq ft

Parcel Number1674533855

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Park, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewBridge(s), Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne