This home is in Pablo Bay, Jacksonville — a waterfront home in Jacksonville.
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Active·Listed today·Pablo Bay
3842 Deer Chase Place E
Jacksonville, FL 32224
3 more homes for sale in Pablo Bay →Search Pablo Bay on the map
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Pablo Bay
MARQUEE LAKEFRONT POOL HOME IN PABLO BAY!! Own this magnificent 5 bedroom home which is the 5th largest in beautiful Pablo Bay. Featuring a stunning infinity edge pool, you can barely see where the glistening pool ends and the lake begins. Custom built by North Florida Builders with upgrades including venetian plaster walls, curved edges, tray ceilings, crown molding, alcoves and a stunning staircase to name a few. This home has been completely remodeled by current owners and sits on an 80 ft lot which were only available in phase 1 and carried an $80,000 premium when built! With stunning wood flooring throughout most of the home, downstairs consists of an open office, formal dining room, huge family room, gorgeous kitchen with Bosch appliances, large dining island and quartz countertops, breakfast nook overlooking the pool and an enormous primary suite with a sitting area, twin closets and a true spa like ensuite bathroom.
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.
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: Shingle — year not disclosed (home built 2002)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,731 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:24 AM, sunset 7:02 PM.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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): $12,644/yr
Estimated taxes if purchased at asking price: ~$24,500/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 8, 2026Listed$1,250,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SELECT REALTY 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.
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
More homes in Pablo Bay
For Sale13781 Shady Woods Street NJacksonville, FL 32224
4 bd · 3 ba · 2,675 sq ft
$669,900Est. $3,565/moExperience refined Florida luxury living just minutes to the beach in this exceptional residence designed for comfort…
Listing Office: north florida real estate partners inc
For Sale3833 Deer Chase Place EJacksonville, FL 32224
3 bd · 2.5 ba · 2,401 sq ft
$669,000Est. $3,561/moNestled on a quiet cul-de-sac in the highly sought-after community of Pablo Bay, this stunning home offers relaxed…
Listing Office: flatflee.com inc
Under Contract13780 Harbor Creek PlaceJacksonville, FL 32224
5 bd · 4 ba · 2,667 sq ft
$665,000Est. $3,539/moWelcome to the family home you've been waiting for in the highly desirable Pablo Bay community! Offering five bedrooms…
Listing Office: real broker llc
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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