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This home is in Pablo Creek Reserve, Jacksonville — a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·45 days on market·Pablo Creek Reserve

5226 Commissioners Drive

Jacksonville, FL 32224

$1,850,000$555/sqftEst. $9,511/moMLS# 2155334

Beds

Baths

3,333

Sq Ft

2017

Built

Garage

Pool

About this home

Pablo Creek Reserve

Multiple Offers- Highest and Best due by 4PM, 8/16/26. Beautifully maintained lakefront custom built home in prestigious Pablo Creek Reserve, showcasing exceptional updates and timeless elegance. Recent enhancements include a renovated kitchen with updated cabinetry and countertops, wide-plank white oak flooring, professional landscaping, a new water heater (2025), and more. Perfectly positioned on a premier corner homesite, the property features a private drive, custom stone entry, and breathtaking lake views. Designed for effortless living and entertaining, the open floor plan offers a dedicated office/flex space, two ensuite guest bedrooms, and a luxurious primary suite with an expansive custom closet. The spacious screened lanai includes generous seating areas and a built-in summer kitchen for year-round indoor-outdoor living. Additional highlights include abundant storage, a climate-controlled three-car garage, and refined luxury in Pablo Creek Reserve.

Cost to own

Mortgage calculator

Home Price

$1,850,000

Down Payment: 20%

$370,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$9,511

Principal & Interest: $9,511

Property taxes (est.): $3,021

Insurance (est.): $1,233

Estimated Total Monthly

$13,765

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$9,511

Property taxesest. at asking price, Duval County$3,021

HOAbilled quarterly$517

Estimated total, before insurance$13,049/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$28,576/yr · $2,381/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	$1,777,875	$1,578,202	▲ $42,088
2024	$1,583,017	$1,533,017	—
2023	$1,541,838	$1,491,838	—
2022	$1,284,265	$1,284,265	—
2021	$1,003,166	$1,003,166	—
2020	$936,758	$936,758	—

2025 property taxes (current owner): $28,576/yr

Estimated taxes if purchased at asking price: ~$36,200/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 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: material not specified — year not disclosed (home built 2017)

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

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: ~1,763 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

Aug 17, 2026Active Under Contract$1,850,000
Jul 14, 2026Listed$1,850,000

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

Features

Price$1,850,000

Price / Sq Ft$555

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,333

Total Structure Area4,650 sq ft

Acres0.34 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontYes

Community Information

Address5226 Commissioners Drive, Jacksonville, FL 32224

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionPablo Creek Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size14,810.4 sq ft

Lot Dimensions100x150x98x154

Parcel Number1677662540

Amenities

AmenitiesManagement - Off Site, Playground

UtilitiesNatural Gas Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Waterfront TypeLake Front, Pond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Electric Range, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingElectric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundrySink

Window FeaturesSkylight(s)

SecurityGated with Guard