This home is in Pablo Creek Reserve, Jacksonville — a waterfront home in Jacksonville.
Sold·Closed Aug 26, 2026·96 days on market·Recent sales in Pablo Creek Reserve·Pablo Creek Reserve
5178 Wilton Walk Drive
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
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.
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).
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: 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 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard and pool on the south side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
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: ~$36,400/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
- Aug 26, 2026Closed$1,999,000
- 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.
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 $570/sq ft; this home is listed at $561/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 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 |
| 4564 Indigo Plant Court, Jacksonville, FL 32224Listed by CYPRESS VILLAGE REAL ESTATE | Sep 2026 | $635,000 | $239 | 3/2.5 | 2,659 | 19 | 0.9 |
| 13826 Holland Park Drive, Jacksonville, FL 32224Listed by PURSUIT REAL ESTATE, LLC | Jul 2026 | $603,000 | $231 | 3/2.5 | 2,615 | 30 | 1.3 |
| 4107 Sunrise Cove Way, Jacksonville, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $2,100,000 | $618 | 4/4 | 3,400 | 220 | 1.5 |
| 4235 Stacey Road E, Jacksonville, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $2,943,000 | $822 | 4/3.5 | 3,580 | 165 | 1.6 |
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: WATSON REALTY CORP
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
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 26, 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
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Northeast Florida living
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