This home is in Pablo Creek Reserve, Jacksonville — a gated community home in Jacksonville.
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Active·Listed today·Pablo Creek Reserve
5244 Commissioners Drive
Jacksonville, FL 32224
About this home
Pablo Creek Reserve
Welcome to 5244 Commissioners Drive, a beautifully updated Jacksonville residence offering sophisticated design and exceptional versatility. This five-bedroom home also features a dedicated office, dual owner's suites located upstairs and downstairs, and a spacious upstairs bonus room. The flexible layout is ideal for multigenerational living, extended family, or guests. The renovated kitchen has been thoughtfully redesigned with a fresh, elevated aesthetic, while new French oak flooring in all bedrooms adds warmth and timeless style. Outside, refreshed landscaping and a newly installed fence enhance both curb appeal and privacy. The generous backyard offers ample room for a future pool and outdoor entertaining space, creating the opportunity to design your own private Florida retreat. Elegant, functional, and move-in ready, this home blends refined updates with a floor plan designed to adapt beautifully to today's lifestyle.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
2025 property taxes (current owner): $36,178/yr
Estimated taxes if purchased at asking price: ~$58,300/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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Tile — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,787 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 homeThis 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
- Sep 16, 2026Listed$2,975,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Pablo Creek Reserve
Pablo Creek Reserve is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.
View all Pablo Creek Reserve homes for sale →Listing Courtesy of: COMPASS FLORIDA LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines