This home is in Jacksonville — a gated community home in Jacksonville.
$420,0003 bd · 2.5 ba · 1,550 sq ft
Active·206 days on market
3604 Marsh Reserve Boulevard
Jacksonville, FL 32224
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Move In Ready!!! Completely Remodeled with high end appliances 3-bedroom, 2.5-bath townhouse located in the desirable gated community of Pablo Cove--just minutes from the Mayo Clinic. This home offers a spacious, open-concept floor plan perfect for modern living and entertaining. The kitchen features sleek finishes, ample cabinetry, and a large island overlooking the living and dining areas with all new appliances. Upstairs, you'll find a generous primary suite with a private bath and walk-in closet, along with two additional bedrooms and a full bath. Enjoy the convenience of a 2-car garage and low-maintenance living in a prime location close to beaches, shopping, and dining. Definitely a must-see!
Next steps in Jacksonville
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: Shingle — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,763 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.
As 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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
Beach Blvdabout 3 mi · 10 parking spaces
Closest park or preserve
Dutton Island Preserveabout 4 mi · 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 Parkabout 2 mi · Soccer
Closest grocery store
Publixabout 0.4 mi · 14444 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:47 AM, sunset 5:32 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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
Last sold: $415,000 in August 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $379,923 | $379,923 | ▲ $23,981 |
| 2024 | $356,546 | $306,546 | — |
| 2023 | $329,700 | $329,700 | ▲ $12,612 |
| 2022 | $304,440 | $304,440 | — |
| 2021 | $65,000 | $65,000 | ▲ $15,000 |
2025 property taxes (current owner): $7,094/yr
Estimated taxes if purchased at asking price: ~$8,200/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.
History
Price & status history
- Sep 22, 2026Price change$420,000−$15,000
- Aug 21, 2026Price change$435,000−$10,000
- Jul 22, 2026Price change$445,000−$18,000
- Apr 17, 2026Listed$463,000
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 $267/sq ft; this home is listed at $271/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3566 Marsh Reserve Boulevard, Jacksonville, FL 32224Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $420,000 | $264 | 3/2.5 | 1,589 | 58 | 0 |
| 14113 Backbarrier Road, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $455,000 | $286 | 3/2.5 | 1,589 | 106 | 0.2 |
| 3117 Coral Reef Drive, Jacksonville, FL 32224Listed by LPT REALTY LLC | Sep 2026 | $290,000 | $267 | 3/2 | 1,086 | 57 | 0.7 |
| 14750 Beach Boulevard 26, Jacksonville, FL 32250Listed by FLORIDA HOMES REALTY & MTG LLC | Nov 2026 | $435,100 | $302 | 2/2.5 | 1,440 | 7 | 1 |
| 13715 Richmond Park Drive N 702, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Nov 2026 | $200,000 | $171 | 2/2 | 1,167 | 92 | 1.1 |
| 13703 N Richmond Park Drive N 2109, Jacksonville, FL 32224Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $185,000 | $151 | 2/2 | 1,229 | 22 | 1.1 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
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.
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Krista Fracke
Broker Associate
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