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 Bay, Jacksonville — a waterfront home in Jacksonville.

1 / 67

Active Under Contract

Active Under Contract·34 days on market·Pablo Bay

13785 Waterchase Way

Jacksonville, FL 32224

$745,000$274/sqftEst. $3,834/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 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

Mortgage calculator

Home Price

$745,000

Down Payment: 20%

$149,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,834

Principal & Interest: $3,834

Property taxes (est.): $1,217

Insurance (est.): $497

Estimated Total Monthly

$5,547

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$3,834

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

HOAbilled annually$100

Estimated total, before insurance$5,150/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).

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.

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.

History

Price & status history

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.

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 Under Contract

# 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