Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Active

Active·1 day on market·Pablo Creek Reserve

5300 Chandler Bend Drive

Jacksonville, FL 32224

$2,995,000$598/sqftEst. $15,445/moMLS# 2159048

Beds

Baths

5,006

Sq Ft

2016

Built

Garage

Yes

Pool

About this home

Pablo Creek Reserve

Inspired by the timeless elegance of Modern Spanish architecture, this exceptional 5-BR, 6.5-bath courtyard home seamlessly blends sophisticated interiors with extraordinary outdoor living. Distinctive details include white stucco, exposed rafter tails, a traditional barrel tile roof, cedar beams, and authentic stone columns. A grand foyer opens to the impressive central courtyard, creating a stunning setting for entertaining, while a separate side courtyard offers another inviting outdoor space.At the heart of the home, the chef's kitchen features rich wood cabinetry, marble countertops, professional-grade appliances, a massive center island with additional seating, and a separate prep kitchen. The dramatic living room showcases soaring ceilings, a grand fireplace, and wide-plank distressed oak flooring. Expansive doors open to the covered lanai, pool, summer kitchen, and outdoor fireplace, overlooking the fenced backyard and natural preserve.The lavish primary suite features its own

Cost to own

Mortgage calculator

Home Price

$2,995,000

Down Payment: 20%

$599,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$15,445

Principal & Interest: $15,445

Property taxes (est.): $4,890

Insurance (est.): $1,997

Estimated Total Monthly

$22,332

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$15,445

Property taxesest. at asking price, Duval County$4,890

HOAbilled quarterly$517

Estimated total, before insurance$20,852/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$27,904/yr · $2,325/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): $27,904/yr

Estimated taxes if purchased at asking price: ~$58,700/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: Tile — year not disclosed (home built 2016)

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: ~1,788 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 7, 2026Listed$2,995,000

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

Features

Price$2,995,000

Price / Sq Ft$598

Bedrooms5

Bathrooms6.50

Full Baths6

Half Baths1

Square Footage5,006

Acres0.82 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleSpanish

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated

Is WaterfrontNo

School Information

ElementaryAlimacani

MiddleKernan

HighAtlantic Coast

Community Information

Address5300 Chandler Bend Drive, Jacksonville, FL 32224

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionPablo Creek Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size35,719.2 sq ft

Parcel Number1677662360

ZoningResidential

Amenities

AmenitiesSecurity

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Circular Driveway, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Guest Suite, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Double Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Wine Cooler

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units, Zoned

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces4

Fireplace FeaturesGas, Outside, Wood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup

SecurityGated with Guard, Security Gate, Security System Owned

Spa FeaturesIn Ground, Private