This home is in Pablo Creek Reserve, Jacksonville.

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Active

Active·88 days on market·Pablo Creek Reserve

5317 Bentpine Cove Road

Jacksonville, FL 32224

$3,350,000$675/sqftEst. $17,830/moMLS# 2140779

Beds

Baths

4,966

Sq Ft

2016

Built

Garage

Yes

Pool

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!

Cost to own

Mortgage calculator

Home Price

$3,350,000

Down Payment: 20%

$670,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$16,922

Principal & Interest: $16,922

Est. Taxes & Insurance: $4,230

Estimated Total Monthly

$21,152

*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$17,830

Property taxesest. at asking price, Duval County$5,470

HOAbilled quarterly$512

Estimated total, before insurance$23,812/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	$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: ~$65,600/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 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 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

Apr 18, 2026Listed$3,350,000

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

Features

Price$3,350,000

Price / Sq Ft$675

Bedrooms5

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage4,966

Acres0.76 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Waterfall

Is WaterfrontYes

Direction FacesWest

School Information

ElementaryAlimacani

MiddleKernan

HighAtlantic Coast

Community Information

Address5317 Bentpine Cove Road, Jacksonville, FL 32224

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionPablo Creek Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size33,105.6 sq ft

Parcel Number1677664955

ZoningResidential

Amenities

AmenitiesBarbecue, Gated, Maintenance Grounds, Management - Full Time, Management - Off Site, Park, Playground

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Circular Driveway, Garage, Garage Door Opener, Off Street

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s), Wet Bar, Wine Cellar

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Freezer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Marble, Stone, Tile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas, Outside

# of Stories2

LevelsTwo

SecurityCarbon Monoxide Detector(s), Gated with Guard, Security Gate, Smoke Detector(s)