Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Pablo Point, Jacksonville — a pool home in Jacksonville.

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Active Under Contract

Active Under Contract·44 days on market·Pablo Point

203 Pablo Point Drive

Jacksonville, FL 32225

$699,000$396/sqftEst. $3,605/moMLS# 2152047

Beds

Baths

1,764

Sq Ft

1984

Built

Garage

Yes

Pool

About this home

Pablo Point

Rare opportunity to own an updated, pool home on over half an acre off of San Pablo for under $700k! This turn key home boasts a private dock to a tidal creek and a brand new roof (completed in June 2026)! Enjoy Florida living at it's finest with this backyard oasis that includes a large salt water pool, oversized patio and huge yard leading to your own private dock with no neighbors behind you. Featuring 4 beds/2 baths, a wood burning fireplace, plantation shutters throughout and an open floorplan perfect for entertaining this one won't last long!! Please see complete list of features and upgrades for additional details.

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,605

Principal & Interest: $3,605

Property taxes (est.): $1,141

Insurance (est.): $466

Estimated Total Monthly

$5,212

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,605

Property taxesest. at asking price, Duval County$1,141

Estimated total, before insurance$4,746/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,277/yr · $356/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	$410,694	$210,214	▲ $44,956
2024	$368,052	$203,583	▲ $25,004
2023	$351,637	$196,198	▲ $20,000
2022	$320,394	$189,028	—
2021	$241,183	$144,987	—
2020	$236,021	$142,295	—

2025 property taxes (current owner): $4,277/yr

Estimated taxes if purchased at asking price: ~$13,700/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 — year not disclosed (home built 1984)

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

Likely septic · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,685 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