This home is in Jacksonville — a gated community home in Jacksonville.
Active·52 days on market
3634 Marsh Reserve Boulevard
Jacksonville, FL 32224
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Welcome to the wonderful coastal lifestyle of Pablo Cove! This beautiful gated community is located just minutes from the beaches, two minutes from Mayo Clinic and JTB. The best location to live life! This charming home features a coastal-inspired exterior, a convenient rear-entry two-car garage, and a bright, modern interior designed for both comfort and entertaining. The spacious kitchen showcases beautiful white Shaker-style cabinetry, quartz countertops, stainless steel appliances, and plenty of room for gathering with family & friends. Wood-look tile flooring flows throughout downstairs. Upstairs, you'll find a spacious primary suite complete with a private bathroom and walk-in customize closet. Two additional generously sized bedrooms share a full bathroom, and the conveniently located laundry. The Mayo Clinic, shopping, dining, Military Base and major highways are all just minutes away, making everyday living and commuting convenient and easy. Welcome home!
Next steps in New Construction — Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,806 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 homeAs of September 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Sea Walk Pavillion Iiabout 3 mi · 204 parking spaces
Closest park or preserve
Dutton Island Preserveabout 4 mi · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 5 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dockabout 1 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Patton Parkabout 2 mi · Soccer
Closest grocery store
Publixabout 0.4 mi · 14444 Beach Blvd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:34 AM, sunset 6:46 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,816/yr
Estimated taxes if purchased at asking price: ~$8,000/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.
History
Price & status history
- Sep 1, 2026Listed$410,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $265/sq ft; this home is listed at $265/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3618 Marsh Reserve Boulevard, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $410,000 | $265 | 3/2.5 | 1,550 | 41 | 0 |
| 3566 Marsh Reserve Boulevard, Jacksonville, FL 32224Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $420,000 | $264 | 3/2.5 | 1,589 | 58 | 0.1 |
| 14113 Backbarrier Road, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $455,000 | $286 | 3/2.5 | 1,589 | 106 | 0.1 |
| 3475 Marsh Reserve Boulevard, Jacksonville, FL 32224Listed by COMPASS FLORIDA LLC | Aug 2026 | $465,000 | $259 | 3/2.5 | 1,794 | 8 | 0.1 |
| 3117 Coral Reef Drive, Jacksonville, FL 32224Listed by LPT REALTY LLC | Sep 2026 | $290,000 | $267 | 3/2 | 1,086 | 57 | 0.6 |
| 3794 Casitas Drive, Jacksonville, FL 32224Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $387,500 | $226 | 3/2.5 | 1,718 | 46 | 1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: NAVY TO NAVY HOMES LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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