This home is in Pablo Creek Reserve, Jacksonville — a waterfront home in Jacksonville.
Active·179 days on market·Pablo Creek Reserve
5317 Bentpine Cove Road
Jacksonville, FL 32224
4 more homes for sale in Pablo Creek Reserve →Search Pablo Creek Reserve on the map
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About this home
Pablo Creek Reserve
Contemporary Italian Villa set on just over 3/4 acre in prestigious Pablo Creek Reserve. Timeless architecture with exceptional indoor outdoor living provides a stunning setting to live and entertain family and friends. A grand two story foyer opens to elegant living spaces with a striking colonnade and massive beam ceilings in the living and great rooms. Wide plank hardwood and travertine floors lead to an open kitchen featuring professional stainless appliances, quartzite counters, oversized prep island, butler's pantry, walk in pantry, and adjacent laundry/mudroom. The first floor primary suite offers serene lake views, a spa bath, and a large divided walk in closet. Also on the first floor you will find a study and private guest suite. Enjoy a covered lanai with summer kitchen, paver courtyard entry, and outdoor fireplace designed for year round entertaining. Wake up to sunrises in the morning and wind down with golden sunset rays bouncing off the water in your backyard oasis!
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 2016)
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).
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
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 7:28 AM, sunset 6:55 PM.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
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 | $2,430,380 | $1,409,348 | ▲ $58,606 |
| 2024 | $2,190,103 | $1,368,922 | ▼ $1,813 |
| 2023 | $2,207,280 | $1,327,595 | — |
| 2022 | $1,877,939 | $1,287,471 | ▲ $25,000 |
| 2021 | $1,475,742 | $1,248,516 | — |
| 2020 | $1,337,731 | $1,230,588 | — |
2025 property taxes (current owner): $25,581/yr
Estimated taxes if purchased at asking price: ~$64,200/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
- Aug 1, 2026Price change$3,279,000−$71,000
- Apr 18, 2026Listed$3,350,000
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 $649/sq ft; this home is listed at $660/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5305 Bentpine Cove Road, Jacksonville, FL 32224Listed by ROOT REALTY LLC | Aug 2026 | $3,127,500 | $648 | 4/5 | 4,823 | 4 | 0.1 |
| 5275 Bentpine Cove Road, Jacksonville, FL 32224Listed by RE/MAX SPECIALISTS PV | Jun 2026 | $4,150,000 | $649 | 5/6.5 | 6,395 | 63 | 0.2 |
| 5307 Hidden Hollow Court, Jacksonville, FL 32224Listed by PONTE VEDRA CLUB REALTY, INC. | Jun 2026 | $4,500,000 | $786 | 4/5 | 5,723 | 2 | 0.2 |
| 14061 Magnolia Cove Road, Jacksonville, FL 32224Listed by ENGEL & VOLKERS FIRST COAST | Sep 2026 | $2,900,000 | $617 | 5/5 | 4,697 | 49 | 0.3 |
| 5321 Hala Court, Jacksonville, FL 32224Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $4,600,000 | $736 | 4/5 | 6,252 | 28 | 0.3 |
| 14091 Magnolia Cove Road, Jacksonville, FL 32224Listed by REDFIN CORPORATION | Aug 2026 | $1,950,000 | $483 | 4/4.5 | 4,037 | 46 | 0.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ENGEL & VOLKERS FIRST COAST
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
For Sale5209 Tallulah Lake CourtJacksonville, FL 32224
4 bd · 4.5 ba · 4,784 sq ft
$3,150,000Est. $16,766/moNestled within prestigious Pablo Creek Reserve, this exceptional custom residence pairs timeless architecture with…
Listing Office: ponte vedra club realty, inc.
For Sale5244 Commissioners DriveJacksonville, FL 32224
5 bd · 5.5 ba · 4,859 sq ft
$2,975,000Est. $15,834/moWelcome to 5244 Commissioners Drive, a beautifully updated Jacksonville residence offering sophisticated design and…
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For Sale5326 Hala CourtJacksonville, FL 32224
6 bd · 7 ba · 6,140 sq ft
$4,149,000Est. $22,083/moWelcome to 5326 Hala Court, a custom Elwood Collier estate set on nearly one acre in the gated community of Pablo Creek…
Listing Office: engel & volkers first coast
Under Contract5329 Commissioners DriveJacksonville, FL 32224
4 bd · 5.5 ba · 6,524 sq ft
$4,400,000Est. $23,419/moPerfection behind the gates of highly sought after Pablo Creek Reserve. This French country estate sits perfectly on a…
Listing Office: engel & volkers first coast
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Your Local Realtor
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines