This home is in Pablo Creek Reserve, Jacksonville.

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Active

Active·Listed today·Pablo Creek Reserve

5329 Commissioners Drive

Jacksonville, FL 32224

$4,500,000$690/sqftEst. $23,951/moMLS# 2156041

Beds

Baths

6,524

Sq Ft

2018

Built

Garage

Yes

Pool

About this home

Pablo Creek Reserve

Perfection behind the gates of highly sought after Pablo Creek Reserve. This French country estate sits perfectly on a 3/4 acre private preserve lot. Through the front door you will find soaring ceilings and the stairway that graces the front cover of ''Style Comfort Home,'' Andrew Howard's book showcasing his signature style. In the primary wing, in addition to a beautifully appointed bedroom and bath, you will find true understated luxury throughout two walk-in closets and an office with cathedral ceiling. The living room is graced by a hand framed coffered ceiling that leads to a gourmet kitchen. No expense was spared inside or out on this home and once you step through the doors you won't want to leave.

Cost to own

Mortgage calculator

Home Price

$4,500,000

Down Payment: 20%

$900,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$22,873

Principal & Interest: $22,873

Est. Taxes & Insurance: $5,718

Estimated Total Monthly

$28,591

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$23,951

Property taxesest. at asking price, Duval County$7,348

HOAbilled quarterly$512

Estimated total, before insurance$31,811/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$3,167,265	$3,139,599	▲ $84,632
2024	$2,854,181	$2,854,181	▼ $1,235
2023	$2,839,806	$2,341,011	—
2022	$2,259,280	$2,128,192	▲ $25,000
2021	$1,934,720	$1,934,720	—
2020	$1,774,666	$1,774,666	—

2025 property taxes (current owner): $56,290/yr

Estimated taxes if purchased at asking price: ~$88,200/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.

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: Concrete — year not disclosed (home built 2018)

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

Solar potential: ~1,710 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 18, 2026Listed$4,500,000

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

Features

Price$4,500,000

Price / Sq Ft$690

Bedrooms4

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage6,524

Total Structure Area7,138 sq ft

Acres0.76 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional, Other

StatusActive

# of Garages4

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Gas Heat, Heated, Salt Water

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryAlimacani

MiddleKernan

HighAtlantic Coast

Community Information

Address5329 Commissioners Drive, Jacksonville, FL 32224

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionPablo Creek Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size33,105.6 sq ft

Lot Dimensions`225x150

Parcel Number1677662375

ZoningResidential

Amenities

AmenitiesGated, Jogging Path, Maintenance Grounds, Management - Off Site, Park, Playground, Security, Water

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

Water SourcePublic

ParkingAttached, Circular Driveway, Garage, Garage Door Opener, Off Street

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar, Wine Cellar

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Freezer, Gas Cooktop, Gas Water Heater, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater, Washer, Washer/Dryer Stacked, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Marble, Stone, Tile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas, Outside

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Sink, Upper Level, Washer Hookup

SecurityGated with Guard, Security Gate, Security System Owned

Spa FeaturesIn Ground