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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 Creek Reserve, Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Sep 8, 2026·33 days on market·Recent sales in Pablo Creek Reserve·Pablo Creek Reserve

5226 Commissioners Drive

Jacksonville, FL 32224

$1,900,000sold priceListed at $1,850,000 · 102.7% of asking$570/sqftMLS# 2155334
3
Beds
3.5
Baths
3,333
Sq Ft
2017
Built
3
Garage
No
Pool

5 more homes for sale in Pablo Creek Reserve →Search Pablo Creek Reserve on the map

FEMA Zone XHOA $517/mo14,810 sqft lotWaterfrontSingle Family Residence1 story

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$10,524
Property taxesest. at asking price, Duval County$3,102
HOAbilled quarterly$517
Estimated total, before insurance$14,144/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,900,000
$380,000
Loan Term
Monthly Payment
$10,524
Principal & Interest: $10,524
Property taxes (est.): $3,102
Insurance (est.): $1,267
Estimated Total Monthly
$14,893
*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: 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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: ~$37,200/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.

History

Price & status history

  • Sep 8, 2026Closed$1,850,000
  • Sep 2, 2026Pending$1,850,000
  • 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.

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 $483/sq ft; this home is listed at $555/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5178 Wilton Walk Drive, Jacksonville, FL 32224Listed by WATSON REALTY CORPAug 2026$1,860,000$5224/33,566960.1
14091 Magnolia Cove Road, Jacksonville, FL 32224Listed by REDFIN CORPORATIONAug 2026$1,950,000$4834/4.54,037460.2
4564 Indigo Plant Court, Jacksonville, FL 32224Listed by CYPRESS VILLAGE REAL ESTATESep 2026$635,000$2393/2.52,659191
13826 Holland Park Drive, Jacksonville, FL 32224Listed by PURSUIT REAL ESTATE, LLCJul 2026$603,000$2313/2.52,615301.4
14076 Hazelwood Court, Jacksonville, FL 32224Listed by COMPASS FLORIDA LLCAug 2026$795,000$3274/32,43441.5
4107 Sunrise Cove Way, Jacksonville, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$2,100,000$6184/43,4002201.5

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$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
StatusClosed
# 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

Exterior

Exterior FeaturesOutdoor Kitchen
Patio / PorchCovered, Rear Porch, Screened
ConstructionFrame, Stone, Stucco

Additional Information

Date ListedJuly 14, 2026
Days on Market33
HOA Fees$1,551 / Quarterly
HOA FrequencyQuarterly
HOA NameMarsh Landing Management
HOA Fee IncludesMaintenance Grounds, Security
Tax Amount$28,576.34
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DOUGLAS ELLIMAN FLORIDA

Sold by: DOUGLAS ELLIMAN FLORIDA (buyer's brokerage)

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 Creek Reserve

Pablo Creek Reserve is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.

View all Pablo Creek Reserve homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 8, 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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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