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 home near Atlantic Coast High School.

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Active

Active·2 days on market·Pablo Creek Reserve

5321 Hala Court

Jacksonville, FL 32224

$4,600,000$736/sqftEst. $23,673/moMLS# 2160327

Beds

Baths

6,252

Sq Ft

2008

Built

Garage

Yes

Pool

About this home

Pablo Creek Reserve

A distinguished English farmhouse masterfully crafted by renowned builder Elwood Collier, this exceptional waterfront estate embodies enduring elegance and exceptional craftsmanship. Built with ICF construction, the residence showcases true reclaimed wood beams, exquisite millwork, custom solid wood doors throughout, and hardwood and travertine flooring. The bespoke kitchen features a Wolf dual-fuel range, twin Sub-Zero refrigerators, four freezer drawers, Fisher & Paykel dishwasher drawers, Calacatta marble countertops, custom cabinetry, and a fully equipped butler's pantry. The main-level primary suite, complete with stone fireplace, offers a serene private retreat. A wood-lined elevator, gracious entertaining spaces, and charming guest house enhance the experience. Outside, impeccably curated landscaping, covered outdoor kitchen, elegant courtyard, waterfront setting, and resort-style pool create an extraordinary environment for refined living and effortless entertaining.

Cost to own

Mortgage calculator

Home Price

$4,600,000

Down Payment: 20%

$920,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$23,673

Principal & Interest: $23,673

Property taxes (est.): $7,511

Insurance (est.): $3,067

Estimated Total Monthly

$34,251

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$23,673

Property taxesest. at asking price, Duval County$7,511

HOAbilled quarterly$517

Estimated total, before insurance$31,701/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$31,735/yr · $2,645/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): $31,735/yr

Estimated taxes if purchased at asking price: ~$90,100/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 2008)

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: ~1,721 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 15, 2026Listed$4,600,000

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

Features

Price$4,600,000

Price / Sq Ft$736

Bedrooms4

Bathrooms5.00

Full Baths4

Half Baths2

Square Footage6,252

Total Structure Area8,110 sq ft

Acres0.74 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated

Is WaterfrontYes

School Information

ElementaryAlimacani

MiddleKernan

HighAtlantic Coast

Community Information

Address5321 Hala Court, Jacksonville, FL 32224

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionPablo Creek Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size32,234.4 sq ft

Lot Dimensions176x162x250x206

Parcel Number1677663205

ZoningResidential

Amenities

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

SewerPublic Sewer

Water SourcePublic

ParkingCircular Driveway, Garage, Garage Door Opener

ViewLake

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Central Vacuum, Elevator, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Stone, Wood

FireplaceYes

# of Fireplaces3

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level

Security24 Hour Security, Gated with Guard

Spa FeaturesIn Ground, Heated