This home is in Jacksonville.

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Pending

Pending·11 days on market

3557 Marsh Reserve Boulevard

Jacksonville, FL 32224

$534,900$278/sqftEst. $2,727/moMLS# 2155232

Beds

Baths

1,924

Sq Ft

2024

Built

Garage

Pool

About this home

Jacksonville

Welcome home to Pablo Cove, a pristine gated community in one of Jacksonville's most desirable locations. This beautifully designed Darya floor plan features 3 bedrooms, 2.5 bathrooms, and a sought-after PRIMARY SUITE ON GROUND FLOOR, complete with an ensuite bath and a custom-designed closet. Situated on a premium homesite, the home offers peaceful water and wooded views, creating a rare sense of privacy and serenity. The open-concept layout flows effortlessly into the dining and living areas, highlighted by dramatic two-story vaulted ceilings. Step outside to the screened-in lanai--perfect for entertaining or simply unwinding in your own private retreat. At the center of the home, the gourmet kitchen impresses with quartz countertops, a gas range, modern cabinetry, custom backsplash, under-cabinet lighting, a spacious island, and an oversized pantry. Upstairs, a spacious loft overlooks the main living area and captures beautiful water and wooded views.

Cost to own

Mortgage calculator

Home Price

$534,900

Down Payment: 20%

$106,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,727

Principal & Interest: $2,727

Property taxes (est.): $873

Insurance (est.): $357

Estimated Total Monthly

$3,957

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,727

Property taxesest. at asking price, Duval County$873

HOAbilled monthly$211

Estimated total, before insurance$3,812/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,859/yr · $655/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	$441,317	$441,317	▲ $28,899
2024	$80,000	$71,500	—
2023	$65,000	$65,000	—
2022	$65,000	$65,000	—
2021	$65,000	$65,000	▲ $15,000

2025 property taxes (current owner): $7,859/yr

Estimated taxes if purchased at asking price: ~$10,500/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.

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 2024)

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

Solar potential: ~1,777 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.

History

Price & status history

Jul 14, 2026Listed$534,900

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

Features

Price$534,900

Price / Sq Ft$278

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,924

Acres0.06 acres

Year Built2024

TypeResidential

Sub-TypeTownhouse

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryAlimacani

MiddleKernan

Community Information

Address3557 Marsh Reserve Boulevard, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionPablo Cove

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size2,613.6 sq ft

Parcel Number1670530115

Amenities

AmenitiesPool, Barbecue, Clubhouse, Fitness Center, Gated, Jogging Path

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Water Connected

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

ViewTrees/Woods, Water

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

LaundryIn Unit