This home is in Pablo Point, Jacksonville — a pool home in Jacksonville.
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Active·Listed today·Pablo Point
446 Saltbush Court
Jacksonville, FL 32225
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Pablo Point
Welcome to 446 Saltbush Court! This beautifully refreshed pool home offers a wonderful combination of thoughtful updates, comfortable living spaces, and exceptional outdoor entertaining. With extensive improvements throughout, this home is ready for its next owners to move in and enjoy. Inside, you'll find new luxury vinyl plank flooring throughout, freshly painted walls, doors and trim, and popcorn ceilings that have been removed and replaced with a knockdown finish. The bathrooms have also been thoughtfully updated with new tile, vanities and fixtures! Peace of mind comes with major improvements, including a roof replaced in 2025, a new drain field installed in 2026, and an air conditioning system replaced in 2018. Newer windows and a variable-speed pool pump add additional value and functionality.
Next steps in Pablo Point
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — 2025 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely septic · Public water · JEA
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,557 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
Atlantic Blvd14 min drive · 50 parking spaces
Closest park or preserve
Dutton Island Preserve11 min drive · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 2 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Dutton Island Park & Preserve – South Kayak Launchabout 1 mi · Pablo Creek
Closest youth league fields
Donner Park & Gail Baker Community Center10 min drive · Football, Soccer
Closest grocery store
The Fresh Market3 min drive · 13493 Atlantic 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,946/yr
Estimated taxes if purchased at asking price: ~$12,200/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 25, 2026Active$625,000
- Oct 15, 2026Listed$625,000
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 $278/sq ft; this home is listed at $314/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 13729 Hidden Oaks Lane, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Oct 2026 | $775,000 | $395 | 4/2 | 1,960 | 24 | 0.1 |
| 165 Pablo Point Drive, Jacksonville, FL 32225Listed by JPAR CITY AND BEACH | Sep 2026 | $499,900 | $337 | 3/2 | 1,483 | 13 | 0.3 |
| 13353 Dijon Drive E, Jacksonville, FL 32225Listed by MOMENTUM REALTY | Sep 2026 | $440,000 | $278 | 3/2 | 1,584 | 58 | 0.7 |
| 13891 Ibis Point Boulevard, Jacksonville, FL 32224Listed by HERRON REAL ESTATE LLC | Oct 2026 | $545,000 | $264 | 4/2 | 2,061 | 4 | 1.1 |
| 13130 Everett Court E, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $340,000 | $228 | 3/2 | 1,488 | 18 | 1.1 |
| 13020 Medford Lane, Jacksonville, FL 32225Listed by MOMENTUM REALTY | Sep 2026 | $349,000 | $238 | 3/2 | 1,464 | 28 | 1.2 |
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: FLUID 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 Point
Pablo Point is a neighborhood in Jacksonville, FL (Duval County), ZIP 32225.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines