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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Pablo Bay, Jacksonville — a home near Atlantic Coast High School.

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Sold

Sold·Closed Jun 25, 2026·1 day on market·Recent sales in Pablo Bay·Pablo Bay

13941 White Heron Place

Jacksonville, FL 32224

$720,000sold priceListed at $720,000 · 100% of asking$257/sqftMLS# 2148296
3
Beds
3
Baths
2,800
Sq Ft
2003
Built
2
Garage
No
Pool

4 more homes for sale in Pablo Bay →Search Pablo Bay on the map

HOA $133/mo0.66 acresSingle Family Residence1 story

About this home

Pablo Bay

Located in the highly desirable Pablo Bay community, this beautiful cul-de-sac home offers the ease of first floor living with a layout that is both functional and inviting. There are two master suites with additional 3rd bedroom and bathroom. The beautiful large, screened lanai and extended patio with pergola are perfect for outdoor entertaining and enjoyment of the serene water view. Close to Mayo Clinic, St. Johns Town Center and the local beaches. This home has been well maintained and cared for, a MUST SEE!!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,988
Property taxesest. at asking price, Duval County$1,176
HOAbilled annually$133
Estimated total, before insurance$5,297/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,775/yr · $565/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$720,000
$144,000
Loan Term
Monthly Payment
$3,988
Principal & Interest: $3,988
Property taxes (est.): $1,176
Insurance (est.): $480
Estimated Total Monthly
$5,644
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2003)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,725 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

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

YearMarket valueTaxable valueChange
2025$635,915$350,850▲ $5,000
2024$631,503$340,255▼ $105
2023$619,395$328,889—
2022$533,198$317,854—
2021$451,878$307,140—
2020$443,994$302,210▲ $19,499

2025 property taxes (current owner): $6,775/yr

Estimated taxes if purchased at asking price: ~$14,100/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.

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 $292/sq ft; this home is listed at $257/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3601 Crossview Drive, Jacksonville, FL 32224Listed by NEXT MOVE ATLANTIC COASTSep 2026$905,000$3104/32,919170.3
3631 Crossview Drive, Jacksonville, FL 32224Listed by INI REALTYSep 2026$840,000$3143/32,67940.3
3719 Sea Hawk Street E, Jacksonville, FL 32224Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC.Sep 2026$425,000$1914/2.52,227990.4
3941 Danforth Drive W, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$529,900$2434/22,18320.7
13725 Macapa Road, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$345,000$1454/22,382581
13175 Wexford Hollow Road N, Jacksonville, FL 32224Listed by INI REALTYSep 2026$870,000$2925/4.52,984591.1

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

Price$720,000
Price / Sq Ft$257
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,800
Total Structure Area2,800 sq ft
Acres0.66 acres
Year Built2003
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryAlimacani
MiddleKernan

Community Information

Address13941 White Heron Place, Jacksonville, FL 32224
Area026-Intracoastal West-South Of Beach Blvd
SubdivisionPablo Bay
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size28,749.6 sq ft
Parcel Number1674532920

Amenities

AmenitiesPool, Children's Pool, Maintenance Grounds, Park, Playground, Tennis Court(s)
UtilitiesCable Connected, Electricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity System Owned

Exterior

Lot DescriptionCul-De-Sac, Sprinklers In Front, Sprinklers In Rear
Patio / PorchPatio, Porch, Screened
FencingBack Yard
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 2, 2026
Days on Market1
HOA Fees$1,600 / Annually
HOA FrequencyAnnually
Tax Amount$6,774.65
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CROSSVIEW REALTY

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 →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 25, 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.

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