This home is in Pablo Bay, Jacksonville — a waterfront home in Jacksonville.
Sold·Closed Jul 20, 2026·33 days on market·Recent sales in Pablo Bay·Pablo Bay
13836 Harbor Creek Place
Jacksonville, FL 32224
4 more homes for sale in Pablo Bay →Search Pablo Bay on the map
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
Next steps in Pablo Bay
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 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 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.
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: ~$12,200/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
- Jul 20, 2026Closed$699,900
- May 4, 2026Listed$699,900
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 $296/sq ft; this home is listed at $276/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3719 Sea Hawk Street E, Jacksonville, FL 32224Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC. | Sep 2026 | $425,000 | $191 | 4/2.5 | 2,227 | 99 | 0.2 |
| 3941 Danforth Drive W, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $529,900 | $243 | 4/2 | 2,183 | 2 | 0.4 |
| 3601 Crossview Drive, Jacksonville, FL 32224Listed by NEXT MOVE ATLANTIC COAST | Sep 2026 | $905,000 | $310 | 4/3 | 2,919 | 17 | 0.5 |
| 3631 Crossview Drive, Jacksonville, FL 32224Listed by INI REALTY | Sep 2026 | $840,000 | $314 | 3/3 | 2,679 | 4 | 0.5 |
| 4078 Glenhurst Drive N, Jacksonville, FL 32224Listed by FLUID REALTY, LLC. | Sep 2026 | $626,025 | $296 | 3/2 | 2,114 | 3 | 0.8 |
| 13175 Wexford Hollow Road N, Jacksonville, FL 32224Listed by INI REALTY | Sep 2026 | $870,000 | $292 | 5/4.5 | 2,984 | 59 | 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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
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 Bay
Pablo Bay is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.
View all Pablo Bay homes for sale →Keep looking
More homes in Pablo Bay
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For Sale3833 Deer Chase Place EJacksonville, FL 32224
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Under Contract13780 Harbor Creek PlaceJacksonville, FL 32224
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Under Contract3842 Deer Chase Place EJacksonville, FL 32224
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 20, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines