This home is in Pablo Creek Reserve, Jacksonville.

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Active Under Contract

Active Under Contract·50 days on market·Pablo Creek Reserve

14091 Magnolia Cove Road

Jacksonville, FL 32224

$2,100,000$520/sqftEst. $11,177/moMLS# 2147157

Beds

Baths

4,037

Sq Ft

2015

Built

Garage

Yes

Pool

About this home

Pablo Creek Reserve

Welcome to Pablo Creek Reserve, one of Jacksonville's premier gated communities. With over $50,000 in recent improvements, including fresh interior paint and custom closet systems, this one-story 4-bedroom, 4.5-bath pool home offers stunning lake views and a lifestyle of comfort, elegance, and convenience. With the property backing to the lake, you can enjoy peaceful water views from the pool and lanai, enhanced by the lake's beautiful fountain features. Inside, the open and light-filled floor plan is designed for both everyday living and entertaining. The main living area impresses with soaring ceilings, abundant natural light, and a sleek fireplace as the focal point--all framed by views of the pool and lake. The spacious kitchen features a large island with breakfast bar seating, updated appliances including a double oven, a walk-in pantry, abundant storage, and a wine cellar.

Cost to own

Mortgage calculator

Home Price

$2,100,000

Down Payment: 20%

$420,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$10,608

Principal & Interest: $10,608

Est. Taxes & Insurance: $2,652

Estimated Total Monthly

$13,260

*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$11,177

Property taxesest. at asking price, Duval County$3,429

HOAbilled quarterly$517

Estimated total, before insurance$15,123/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	$1,854,105	$1,070,661	▲ $43,887
2024	$1,655,730	$1,039,780	▼ $1,253
2023	$1,618,044	$1,008,039	—
2022	$1,353,066	$977,223	—
2021	$1,121,072	$947,304	—
2020	$1,051,180	$933,535	—

2024 property taxes (current owner): $18,976/yr

Estimated taxes if purchased at asking price: ~$41,100/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 2015)

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: ~1,788 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

Jul 12, 2026Active Under Contract$2,100,000
May 26, 2026Listed$2,100,000

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

Features

Price$2,100,000

Price / Sq Ft$520

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,037

Total Structure Area5,246 sq ft

Acres0.34 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontYes

School Information

ElementaryAlimacani

MiddleKernan

Community Information

Address14091 Magnolia Cove Road, Jacksonville, FL 32224

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionPablo Creek Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size14,810.4 sq ft

Parcel Number1677664015

Amenities

AmenitiesGated, Jogging Path, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Circular Driveway, Garage

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Double Oven, Gas Cooktop, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Wood

# of Stories1

LevelsOne

SecuritySmoke Detector(s)