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This home is in Pablo Bay, Jacksonville.

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Active

Active·2 days on market·Pablo Bay

13780 Harbor Creek Place

Jacksonville, FL 32224

$699,000$262/sqftEst. $3,564/moMLS# 2158236

Beds

Baths

2,667

Sq Ft

2002

Built

Garage

Pool

About this home

Pablo Bay

Welcome to this beautiful family home in the highly desirable Pablo Bay community! Perfectly situated just minutes from Mayo Clinic, Jacksonville's beautiful beaches, St. Johns Town Center, Downtown Jacksonville, and some of the area's best restaurants, shopping, and entertainment, this home offers an unbeatable combination of convenience and lifestyle. Inside, you'll find thoughtful upgrades throughout, including hardwood flooring in the main living areas, a new roof (2024), newer windows, brand new gutters and countless additional improvements. With spacious living areas, timeless finishes, and exceptional value at under $700,000, this is a rare opportunity to own a beautifully maintained 5 bedroom home in one of Jacksonville's most sought-after locations. Schedule your private showing today and come experience everything this exceptional home has to offer!

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,564

Principal & Interest: $3,564

Property taxes (est.): $1,141

Insurance (est.): $466

Estimated Total Monthly

$5,171

*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$3,564

Property taxesest. at asking price, Duval County$1,141

HOAbilled annually$133

Estimated total, before insurance$4,839/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,651/yr · $471/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): $5,651/yr

Estimated taxes if purchased at asking price: ~$13,700/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: material not specified — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,585 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 August 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 2, 2026Listed$699,000

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

Features

Price$699,000

Price / Sq Ft$262

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage2,667

Acres0.20 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address13780 Harbor Creek Place, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionPablo Bay

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size8,712 sq ft

Parcel Number1674531690

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

Water SourcePublic

ParkingAdditional Parking, Garage