This home is in Pablo Bay, Jacksonville.

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Active

Active·Listed today·Pablo Bay

13785 Waterchase Way

Jacksonville, FL 32224

$745,000$274/sqftEst. $3,965/moMLS# 2154756

Beds

Baths

2,719

Sq Ft

2003

Built

Garage

Pool

About this home

Pablo Bay

Beautifully reimagined 4BR/2BA + office in sought-after Pablo Bay, renovated top to bottom including a brand-new 2026 roof, newer HVAC, and double-hung vinyl windows. The heart of the home is a stunning kitchen anchored by a waterfall peninsula in Taj Mahal quartz with bar-top seating, new stainless Frigidaire Gallery appliances, and new luxury vinyl plank flooring flows throughout. A smart split floor plan places the primary suite plus a second bedroom on one side, with two more bedrooms, the office, and second bath privately opposite. The spa-like primary offers a garden tub, floor-to-ceiling tiled shower, his-and-hers vanities, and dual walk-in closets. A light-filled sunroom opens to an oversized screened patio with waterfront views, while mature trees and updated landscaping frame a yard with room for a pool. Large two-car garage. Enjoy the community pool, sport courts, and walking trail, minutes from Mayo Clinic, St. Johns Town Center, and the beaches.

Cost to own

Mortgage calculator

Home Price

$745,000

Down Payment: 20%

$149,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$3,965

Principal & Interest: $3,965

Est. Taxes & Insurance: $991

Estimated Total Monthly

$4,957

*Estimates based on 30-year loan at 7% APR. 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$3,965

Property taxesest. at asking price, Duval County$1,216

HOAbilled annually$100

Estimated total, before insurance$5,282/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
2024	$611,177	$322,009	▼ $133
2023	$598,683	$311,174	—
2022	$514,818	$300,655	—

2025 property taxes (current owner): $6,442/yr

Estimated taxes if purchased at asking price: ~$14,600/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 (2024), NEFMLS.

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 — 2026 per the listing

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

Solar potential: ~1,700 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 10, 2026Listed$745,000

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

Features

Price$745,000

Price / Sq Ft$274

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,719

Acres0.31 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Community Information

Address13785 Waterchase Way, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionPablo Bay

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size13,503.6 sq ft

Parcel Number1674533400

ZoningResidential

Amenities

AmenitiesPool, Other, Barbecue, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s), Water

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Electric Range, Microwave

HeatingCentral, Electric, Hot Water

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)

Spa FeaturesCommunity