This home is in Pablo Bay, Jacksonville.
Active·207 days on market·Pablo Bay
13781 Shady Woods Street N
Jacksonville, FL 32224
3 more homes for sale in Pablo Bay →Search Pablo Bay on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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.
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeAs of July 2026, 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
Pier Parking Lot Iiabout 4 mi · 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 1 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 |
|---|---|---|---|
| 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: ~$13,100/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.
History
Price & status history
- Jul 24, 2026Price change$669,900−$10,000
- Mar 29, 2026Listed$679,900
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 $240/sq ft; this home is listed at $250/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3601 Crossview Drive, Jacksonville, FL 32224Listed by NEXT MOVE ATLANTIC COAST | Sep 2026 | $905,000 | $310 | 4/3 | 2,919 | 17 | 0.5 |
| 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 | 0.5 |
| 3637 Crossview Drive, Jacksonville, FL 32224Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $860,000 | $300 | 4/3 | 2,862 | 28 | 0.6 |
| 13780 Harbor Creek Place, Jacksonville, FL 32224Listed by REAL BROKER LLC | Oct 2026 | $640,000 | $240 | 5/4 | 2,667 | 38 | 0.6 |
| 13725 Macapa Road, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $345,000 | $145 | 4/2 | 2,382 | 58 | 0.7 |
| 13405 Gerona Drive N, Jacksonville, FL 32246Listed by RE/MAX SPECIALISTS | Oct 2026 | $520,000 | $215 | 4/3 | 2,421 | 3 | 1 |
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: NORTH FLORIDA REAL ESTATE PARTNERS INC
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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Krista Fracke
Broker Associate
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Northeast Florida living
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