This home is in Pablo Bay, Jacksonville — a pool home in Jacksonville.
Active Under Contract·7 days on market·Pablo Bay
13925 White Heron Place
Jacksonville, FL 32224
3 more homes for sale in Pablo Bay →Search Pablo Bay on the map
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About this home
Pablo Bay
LAKEFRONT POOL HOME IN PABLO BAY! Thoughtfully designed 5 bedroom, 3.5 bathroom, 3216 sqft. residence is perfectly situated on a quiet cul-de-sac and serene lakefront lot. At the heart of the home is a well appointed kitchen with granite countertops, center island, stainless steel appliances and walk in pantry for everyday functionality or hosting larger gatherings. An impressive primary suite provides a private retreat with access to the pool and features an additional flex room which can be customized to fit your needs whether that be for an office, nursery, home gym, or oversized walk in closet. This split bedroom floorplan features two bedrooms sharing a Jack n Jill bathroom, while the 4th bedroom is positioned at the rear of the house with a full bathroom convenient for guests and rear door for pool access. Upstairs, a versatile 5th bedroom/bonus room with closet and half bath can be used as a home theatre with surround sound for an immersive entertainment experience.
Next steps in Pablo Bay
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 2003)
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: ~1,762 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 October 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 Ii18 min drive · 204 parking spaces
Closest park or preserve
Dutton Island Preserve19 min drive · 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 Park18 min drive · Soccer
Closest grocery store
Target11 min drive · 13740 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
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard and pool on the northwest side. Today at this address: sunrise 7:33 AM, sunset 6:48 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
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): $7,494/yr
Estimated taxes if purchased at asking price: ~$17,600/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
- Oct 21, 2026Active Under Contract$899,000
- Oct 15, 2026Active$899,000
- Oct 1, 2026Listed$899,000
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 $310/sq ft; this home is listed at $280/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3637 Crossview Drive, Jacksonville, FL 32224Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $860,000 | $300 | 4/3 | 2,862 | 28 | 0.3 |
| 3601 Crossview Drive, Jacksonville, FL 32224Listed by NEXT MOVE ATLANTIC COAST | Sep 2026 | $905,000 | $310 | 4/3 | 2,919 | 17 | 0.3 |
| 3631 Crossview Drive, Jacksonville, FL 32224Listed by INI REALTY | Sep 2026 | $840,000 | $314 | 3/3 | 2,679 | 4 | 0.3 |
| 3724 Burnt Pine Drive, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $1,000,000 | $268 | 5/4.5 | 3,727 | 31 | 0.3 |
| 13780 Harbor Creek Place, Jacksonville, FL 32224Listed by REAL BROKER LLC | Oct 2026 | $640,000 | $240 | 5/4 | 2,667 | 38 | 0.4 |
| 14526 Plumosa Drive, Jacksonville, FL 32250Listed by JWB REALTY LLC | Oct 2026 | $1,100,000 | $439 | 3/2.5 | 2,507 | 1 | 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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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.
The neighborhood
About Pablo Bay
Pablo Bay is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.
View all Pablo Bay homes for sale →Keep looking
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Under Contract3842 Deer Chase Place EJacksonville, FL 32224
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines