This home is in Pablo Point, Jacksonville.

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Pending

Pending·47 days on market·Pablo Point

469 Pablo Point Drive

Jacksonville, FL 32225

$555,000$292/sqftEst. $2,954/moMLS# 2147768

Beds

Baths

1,903

Sq Ft

1986

Built

Garage

Yes

Pool

About this home

Pablo Point

469 Pablo Point offers a rare opportunity to enjoy the perfect combination of location, lifestyle, and potential. This charming single-story home features 4 bedrooms and 2 bathrooms with stunning Intracoastal views and endless possibilities to make it your own. Ideally located just 10 minutes from the beach and close to shopping, dining, and everyday conveniences, this property is well suited as a primary residence, vacation retreat, or investment opportunity. Updates include a new HVAC system, gutters, and attic insulation (2025), roof (2023), garage door opener, washer, dryer, and refrigerator (2022), kitchen faucet and dishwasher (2021), stove (2020), and water heater (2018). Please note that the land located beyond the existing rear fence line is not part of the property and does not convey with the sale. Buyer to verify living area square footage.

Cost to own

Mortgage calculator

Home Price

$555,000

Down Payment: 20%

$111,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,821

Principal & Interest: $2,821

Est. Taxes & Insurance: $705

Estimated Total Monthly

$3,526

*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$2,954

Property taxesest. at asking price, Duval County$906

Estimated total, before insurance$3,860/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	$406,579	$133,556	▲ $48,084
2024	$358,807	$129,085	▲ $30,869
2023	$335,439	$123,869	▲ $20,000
2022	$305,964	$118,805	—
2021	$262,384	$113,889	—
2020	$256,336	$111,627	—

2025 property taxes (current owner): $2,917/yr

Estimated taxes if purchased at asking price: ~$10,900/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,512 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