This home is in Jacksonville.

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Active

Active·1 day on market

14135 Backbarrier Road

Jacksonville, FL 32224

$550,000$267/sqftEst. $2,804/moMLS# 2156876

Beds

Baths

2,062

Sq Ft

2022

Built

Garage

Pool

About this home

Jacksonville

Low-maintenance living at its finest in the desirable Pablo Cove community. This contemporary Waverly floor plan is an end-unit townhome, offering extra privacy and an abundance of natural light. It features 3 beautifully designed bedrooms, 2.5 bathrooms, and a versatile upstairs loft, perfect for a home office, playroom, or media space. The open-concept main floor showcases a gourmet kitchen with quartz countertops, gas cooktop, stainless steel appliances, a spacious breakfast bar, and a generously sized walk-in pantry providing ample storage. There is also a private, screened in lanai so you can enjoy your morning coffee. Additional upgrade includes epoxy coating on the garage floor, offering durability and a clean, polished finish. Upstairs, all bedrooms are thoughtfully arranged for privacy, including a generous primary suite with a large walk-in closet. Residents enjoy access to resort-style amenities including a pool, clubhouse, firepit area, game lawn, & fitness center.

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,804

Principal & Interest: $2,804

Property taxes (est.): $898

Insurance (est.): $367

Estimated Total Monthly

$4,069

*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$2,804

Property taxesest. at asking price, Duval County$898

HOAbilled monthly$211

Estimated total, before insurance$3,913/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,013/yr · $501/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

2025 property taxes (current owner): $6,013/yr

Estimated taxes if purchased at asking price: ~$10,800/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, 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 — year not disclosed (home built 2022)

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

Solar potential: ~1,317 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 24, 2026Listed$550,000

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

Features

Price$550,000

Price / Sq Ft$267

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,062

Acres0.07 acres

Year Built2022

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address14135 Backbarrier Road, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionPablo Cove

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size3,049.2 sq ft

Parcel Number1670530945

Amenities

AmenitiesPool, Barbecue, Clubhouse, Fitness Center, Maintenance Grounds

UtilitiesElectricity Connected, Natural Gas Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

SecuritySecurity Gate, Smoke Detector(s)