This home is in Pablo Creek Reserve, Jacksonville.

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Pending

Pending·96 days on market·Pablo Creek Reserve

5178 Wilton Walk Drive

Jacksonville, FL 32224

$1,999,000$561/sqftEst. $10,640/moMLS# 2139393

Beds

Baths

3,566

Sq Ft

2012

Built

Garage

Yes

Pool

About this home

Pablo Creek Reserve

Located in the prestigious gated community of Pablo Creek Reserve, just minutes from Mayo Clinic, beaches, St. Johns Town Center, and major highways, this custom Arthur Rutenberg home offers luxury and convenience. This single-story residence features 4 bedrooms, 3 baths, formal living and dining rooms, a private office, and a spacious family room. The gourmet kitchen includes a breakfast bar and casual dining area, perfect for everyday living and entertaining. Enjoy beautiful pool-to-lake views, a summer kitchen, and a 3-car garage with EV charger. The primary suite offers multiple closets for ample storage. Pablo Creek Reserve offers a vibrant, social lifestyle with an active book club, mahjong group, and community events. Central Park serves as the community hub, featuring a covered pavilion with seating and fireplace, grill, restrooms, playground, and open space for recreation--all within a walkable, beautifully designed neighborhood. Cost savings Irrigation Well.

Cost to own

Mortgage calculator

Home Price

$1,999,000

Down Payment: 20%

$399,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$10,098

Principal & Interest: $10,098

Est. Taxes & Insurance: $2,524

Estimated Total Monthly

$12,622

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$10,640

Property taxesest. at asking price, Duval County$3,264

HOAbilled quarterly$517

Estimated total, before insurance$14,421/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	$1,519,066	$743,661	▲ $31,790
2024	$1,359,318	$721,996	▼ $1,526
2023	$1,323,673	$699,511	—
2022	$1,092,357	$677,681	—
2021	$917,185	$656,487	—
2020	$862,114	$646,733	—

2025 property taxes (current owner): $13,771/yr

Estimated taxes if purchased at asking price: ~$39,200/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 (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: Tile — year not disclosed (home built 2012)

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: ~1,765 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

Jul 14, 2026Pending$1,999,000
Apr 10, 2026Listed$1,999,000

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

Features

Price$1,999,000

Price / Sq Ft$561

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,566

Acres0.41 acres

Year Built2012

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontYes

Direction FacesNorth

Community Information

Address5178 Wilton Walk Drive, Jacksonville, FL 32224

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionPablo Creek Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size17,859.6 sq ft

Parcel Number1677663500

ZoningResidential

Amenities

AmenitiesBarbecue, Jogging Path, Park, Playground, Security

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Propane

SewerPublic Sewer

Water SourcePublic, Well

ParkingGarage, Garage Door Opener

ViewLake, Pool

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Central Vacuum, Kitchen Island, Pantry

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

Spa FeaturesIn Ground, Heated