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This home is in Jacksonville — a gated community home in Jacksonville.

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Active Under Contract

Active Under Contract·71 days on market

3618 Marsh Reserve Boulevard

Jacksonville, FL 32224

$419,000$270/sqftEst. $2,136/moMLS# 2146777

Beds

Baths

1,550

Sq Ft

2021

Built

Garage

Pool

About this home

Jacksonville

Welcome home to this stunning, light-filled coastal townhome featuring the popular Isla floor plan. Built with superior quality, this home boasts upgraded LVP flooring and stylish designer lighting flowing throughout an open-concept layout. The first floor hosts a spacious great room, dining area, a convenient powder bath, and a gourmet kitchen equipped with 42'' uppers, quartz countertops, a walk-in pantry, and a kitchen island. Upstairs, unwind in the luxurious owner's suite featuring an elegant tray ceiling, a walk-in closet, and a deluxe bath. Two additional bedrooms, a full secondary bath, and a dedicated laundry room complete the top floor. The exterior features a charming front porch situated within a serene, park-like setting, complemented by a spacious two-car garage. Nestled in the highly desirable, gated Pablo Cove community, you are just 3 miles from the beach and minutes from the Mayo Clinic. Enjoy low-maintenance living with resort-style amenities, including a crystal-blue

Cost to own

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,136

Principal & Interest: $2,136

Property taxes (est.): $684

Insurance (est.): $279

Estimated Total Monthly

$3,100

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.58% · 30yr$2,136

Property taxesest. at asking price, Duval County$684

HOAbilled monthly$211

Estimated total, before insurance$3,032/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,513/yr · $459/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, 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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$379,923	$281,624	▲ $23,981
2024	$356,546	$272,980	—
2023	$329,700	$263,573	▲ $12,612
2022	$304,440	$254,440	—
2021	$65,000	$65,000	▲ $15,000

2025 property taxes (current owner): $5,513/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.

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: ~1,784 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

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 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.

History

Price & status history

May 22, 2026Listed$419,000

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

Features

Price$419,000

Price / Sq Ft$270

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,550

Acres0.03 acres

Year Built2021

TypeResidential

Sub-TypeTownhouse

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryAlimacani

MiddleKernan

HighAtlantic Coast

Community Information

Address3618 Marsh Reserve Boulevard, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionPablo Cove

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size1,306.8 sq ft

Parcel Number1670530525

ZoningResidential

Amenities

AmenitiesPool, Other, Barbecue, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Full Time, Management - Off Site, Trash

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Guest, On Street, Unassigned

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Washer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup

Security24 Hour Security, Carbon Monoxide Detector(s), Closed Circuit Camera(s), Entry Phone/Intercom, Security Gate, Security Lights, Smoke Detector(s)