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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 waterfront home in Jacksonville.

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Sold

Sold·Closed Aug 26, 2026·18 days on market·Recent sales in Pablo Bay·Pablo Bay

13785 Waterchase Way

Jacksonville, FL 32224

$732,500sold priceListed at $745,000 · 98.3% of asking$269/sqftMLS# 2154756
4
Beds
2
Baths
2,719
Sq Ft
2003
Built
1
Garage
No
Pool

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

FEMA Zone XHOA $100/mo13,504 sqft lotWaterfrontSingle Family Residence1 story

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 Series 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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$4,057
Property taxesest. at asking price, Duval County$1,196
HOAbilled annually$100
Estimated total, before insurance$5,353/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,442/yr · $537/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

$732,500
$146,500
Loan Term
Monthly Payment
$4,057
Principal & Interest: $4,057
Property taxes (est.): $1,196
Insurance (est.): $488
Estimated Total Monthly
$5,742
*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.

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: Shingle — 2026 per the listing

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

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: ~1,700 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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: ~$14,400/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.

History

Price & status history

  • Aug 26, 2026Closed$745,000
  • Jul 27, 2026Active Under Contract$745,000
  • Jul 19, 2026Active$745,000
  • Jul 18, 2026Active Under Contract$745,000
  • Jul 10, 2026Listed$745,000

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

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 $274/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3719 Sea Hawk Street E, Jacksonville, FL 32224Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC.Sep 2026$425,000$1914/2.52,227990.4
3601 Crossview Drive, Jacksonville, FL 32224Listed by NEXT MOVE ATLANTIC COASTSep 2026$905,000$3104/32,919170.5
3631 Crossview Drive, Jacksonville, FL 32224Listed by INI REALTYSep 2026$840,000$3143/32,67940.5
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$1454/22,382580.8
13175 Wexford Hollow Road N, Jacksonville, FL 32224Listed by INI REALTYSep 2026$870,000$2925/4.52,984590.9

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$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
StatusClosed
# 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
Community FeaturesSidewalks, Fishing, Curbs
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

Exterior

Lot DescriptionCul-De-Sac, Few Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio
FencingFenced, Back Yard, Wrought Iron
RoofShingle
Road SurfaceAsphalt, Paved

Additional Information

Date ListedJuly 10, 2026
Days on Market18
HOA Fees$1,200 / Annually
HOA FrequencyAnnually
Tax Amount$6,441.57
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: 1 REALTY CORP

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 Aug 26, 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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