This home is in Pablo Bay, Jacksonville.

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Active Under Contract

Active Under Contract·74 days on market·Pablo Bay

13836 Harbor Creek Place

Jacksonville, FL 32224

$699,900$276/sqftEst. $3,725/moMLS# 2141158

Beds

Baths

2,535

Sq Ft

2002

Built

Garage

Pool

About this home

Pablo Bay

PRICE REDUCTION OF $20,100.00!!!! Owner recently replaced oversized window in Family Room & RESODDED front and backyards!!! Welcome to one of the most desirable homes in Pablo Bay - perfectly positioned on a serene pond lot with peaceful water views and exceptional curb appeal!This spacious 2-story residence offers 3 bedrooms, 2.5 baths and a 3-car garage, giving you the flexibility and storage today's buyers are searching for. From the moment you arrive, you'll notice the architectural details. arched entryway and oversized driveway that sets this home apart. Inside, you find a thoughtfully designed layout ideal for both everyday living and entertaining. The primary bedroom is downstairs and private with spectacular pond views. Natural light pours in, highlighting the home's open feel and inviting spaces. The backyard overlooks the tranquil pond - perfect for morning coffee, evening relaxation, or hosting family and friends. Paint Booth Lighting has been installed in garage

Cost to own

Mortgage calculator

Home Price

$699,900

Down Payment: 20%

$139,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,558

Principal & Interest: $3,558

Est. Taxes & Insurance: $889

Estimated Total Monthly

$4,447

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$3,725

Property taxesest. at asking price, Duval County$1,143

HOAbilled annually$133

Estimated total, before insurance$5,001/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	$599,272	$320,868	▲ $5,000
2024	$594,430	$311,118	—
2023	$581,587	$300,600	—
2022	$499,779	$290,389	—
2021	$350,078	$280,475	—
2020	$344,901	$275,913	▲ $15,613

2025 property taxes (current owner): $6,222/yr

Estimated taxes if purchased at asking price: ~$13,700/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: Shingle — year not disclosed (home built 2002)

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: ~1,810 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

May 4, 2026Listed$699,900

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

Features

Price$699,900

Price / Sq Ft$276

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,535

Acres0.32 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontYes

Community Information

Address13836 Harbor Creek Place, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionPablo Bay

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size13,939.2 sq ft

Parcel Number1674531645

ZoningResidential

Amenities

AmenitiesChildren's Pool, Dog Park, Park, Pickleball, Playground

UtilitiesCable Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric, Hot Water

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup

Window FeaturesSkylight(s)