$600,000
SOLD MAR 12, 2025
4 Beds
3 Baths
2,709 Sq Ft
10,019 Sq Ft Lot

Recently Sold

$221 Per Sq Ft

8% Below List Price

89 Days on Market

Highlights

  • Security Service
  • Home fronts a pond
  • Clubhouse
  • Atlantic Coast High School Rated A-
  • Lake View
  • Traditional Architecture

About This Home

As of March 2025

LAKEFRONT LIVING IN PABLO BAY! Serenity awaits you at this beautiful lakefront home in Pablo Bay. This 4 bedroom/3 bath, 2709 sqft. single story home is an incredible opportunity for someone who has the vision to update the house to their liking. A spacious primary suite allows you to overlook the lake while enjoying your morning coffee in the cozy seating area. The main living space includes multiple bright and airy rooms perfect for creating a fabulous entertainment space which can accommodate a pool table, bar or exercise equipment all with lake views. Relax in the evenings on the lovely paver patio with fire pit and built in grill and watch the colorful sunsets. A retractable awning rolls down with the press of a button for a perfect shady space away from the sun and an invisible fence will keep your fur babies from leaving the yard. The roof was replaced in 2021 and the refrigerator is brand new! Pablo Bay boasts an incredible community children's and adult lap pools, multiple playgrounds, a dog park, a tennis court, two pickle ball courts, social events, food truck night and so much more. Perfectly situated only minutes to The Mayo Clinic, area beaches and The Town Center for shopping. Easy to show so do not miss your opportunity to get into this sought after neighborhood!

Last Agent to Sell the Property

VANESSA CARUSO

KELLER WILLIAMS REALTY ATLANTIC PARTNERS License #3393627 Listed on: 03/03/2025

KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Last Buyer's Agent

Shelley McCarthy

WATERMARKE REALTY GROUP LLC License #3410451

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,290

Year Built

  • Built in 2004

Lot Details

  • 10,019 Sq Ft Lot
  • Lot Dimensions are 61x161
  • Home fronts a pond
  • East Facing Home
  • Front and Back Yard Sprinklers

HOA Fees

  • $125 Monthly HOA Fees

Parking

  • 2 Car Garage
  • Garage Door Opener

Property Views

  • Lake
  • Pond

Home Design

  • Traditional Architecture
  • Wood Frame Construction
  • Shingle Roof
  • Stucco

Interior Spaces

  • 2,709 Sq Ft Home
  • 1-Story Property
  • Ceiling Fan
  • Gas Fireplace
  • Awning
  • Entrance Foyer
  • Carpet
  • Laundry in unit

Kitchen

  • Breakfast Area or Nook
  • Eat-In Kitchen
  • Breakfast Bar
  • Electric Oven
  • Electric Cooktop
  • Ice Maker
  • Dishwasher
  • Disposal

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Split Bedroom Floorplan
  • Dual Closets
  • Walk-In Closet
  • Jack-and-Jill Bathroom
  • 3 Full Bathrooms

Home Security

  • Security System Owned
  • Fire and Smoke Detector

Outdoor Features

  • Patio
  • Outdoor Kitchen
  • Fire Pit

Utilities

  • Central Heating and Cooling System
  • Hot Water Heating System
  • Electric Water Heater

Listing and Financial Details

  • Assessor Parcel Number 1674533630

Community Details

Overview

  • $250 One-Time Secondary Association Fee
  • Association fees include ground maintenance, security
  • Pablo Bay Homeowner's Association, Phone Number (850) 583-1173
  • Pablo Bay Subdivision

Recreation

  • Tennis Courts
  • Community Basketball Court
  • Pickleball Courts
  • Community Playground
  • Children's Pool
  • Park
  • Dog Park
  • Jogging Path

Additional Features

  • Clubhouse
  • Security Service

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,290

Year Built

Built in 2004

Lot Details

0

HOA Fees

$125 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Attached Yn: No
  • New Construction: No
  • Stories: 1
  • Year Built: 2004
  • Property Sub Type: Single Family Residence
  • Lot Size Acres: 0.23
  • Lot Size: 61x161
  • Road Frontage Type: City Street
  • Road Surface Type: Asphalt
  • Subdivision Name: Pablo Bay
  • Architectural Style: Traditional
  • Carport Y N: No
  • Garage Yn: Yes
  • Unit Levels: One
  • General Property Information Living Area2: 2709.0
  • General Property Information Waterfront YN: Yes
  • General Property Information New Construction YN: No
  • Cooling Central Air: Yes
  • Sewer:Public Sewer: Yes
  • Water Source Public: Yes
  • Architectural Style Traditional: Yes
  • General Property Information Accessibility Features YN2: No
  • General Property Information Furnished: Unfurnished
  • Appliances Refrigerators: Yes
  • Security Features Security System Owned: Yes
  • Security Features Smoke Detector(s): Yes
  • Association Amenities Children's Pool: Yes
  • General Property Information Association Phone: 850-583-1173
  • Interior Features Breakfast Nook: Yes
  • General Property Information Senior Community YN: No
  • General Property Information Lot Size Acres: 0.23
  • General Property Information Carport YN: No
  • Utilities Electricity Connected: Yes
  • ViewPond: Yes
  • General Property Information Direction Faces: East
  • General Property Information Accessory Dwelling Unit YN: No
  • Levels One: Yes
  • Interior Features Jack and Jill Bath: Yes
  • General Property Information:Pool Private YN: No
  • General Property Information Homestead YN: Yes
  • Special Features: None

Interior Features

  • Interior Amenities: Breakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Pantry, Split Bedrooms, Walk-In Closet(s)
  • Major Appliances: Dishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Refrigerator
  • Furnished: Unfurnished
  • Full Bathrooms: 3
  • Total Bedrooms: 4
  • Fireplace Features: Gas
  • Fireplace: Yes
  • Flooring: Carpet, Concrete
  • Living Area: 2709.0
  • ResoLivingAreaSource: Assessor
  • Appliances:Electric Water Heater: Yes
  • Appliances Dishwasher: Yes
  • Appliances:Ice Maker: Yes
  • Fireplace Features:Gas: Yes
  • Appliances:Electric Range: Yes
  • Interior Features:Pantry: Yes
  • Interior Features:Split Bedrooms: Yes
  • Interior Features:Walk-In Closet(s): Yes
  • Interior Features:Entrance Foyer: Yes
  • Interior Features:Breakfast Bar: Yes
  • Interior Features:Eat-in Kitchen: Yes
  • Appliances:Electric Cooktop: Yes
  • Appliances:Electric Oven: Yes
  • Laundry Features:In Unit: Yes
  • Interior Features:Ceiling Fan(s): Yes
  • Interior Features:His and Hers Closets: Yes

Exterior Features

  • Waterfront: Yes
  • Exterior: Fire Pit, Outdoor Kitchen
  • Roof: Shingle
  • Lot Features: Sprinklers In Front, Sprinklers In Rear
  • View: Lake, Pond, Water
  • Waterfront Features: Lake Front, Pond
  • Construction Type: Frame, Stucco
  • Direction Faces: East
  • Other Structures: Outdoor Kitchen
  • Patio And Porch Features: Awning(s), Patio
  • Construction Materials:Frame: Yes
  • Lot Features:Sprinklers in Front: Yes
  • Lot Features:Sprinklers In Rear: Yes
  • Waterfront Features:Pond2: Yes
  • Patio And Porch Features:Patio: Yes
  • Construction Materials:Stucco: Yes
  • Waterfront Features:Lake Front: Yes
  • Patio and Porch Features:Awning(s): Yes
  • Exterior Features:Fire Pit: Yes
  • Exterior Features:Outdoor Kitchen: Yes
  • View:Lake: Yes

Garage/Parking

  • Attached Garage: No
  • Garage Spaces: 2.0
  • Parking Features: Garage, Garage Door Opener
  • General Property Information:Garage Spaces: 2.0
  • Parking Features:Garage: Yes
  • Parking Features:Garage Door Opener: Yes
  • General Property Information:Garage YN: Yes

Utilities

  • Utilities: Cable Available, Electricity Connected, Sewer Connected, Water Connected
  • Laundry Features: In Unit
  • Security: Security System Owned, Smoke Detector(s)
  • Cooling: Central Air, Other
  • Cooling Y N: Yes
  • Heating: Central, Hot Water
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Water Source: Public
  • Heating:Central: Yes
  • Heating:Hot Water: Yes

Condo/Co-op/Association

  • Association Fee: 1500.0
  • Association Fee Frequency: Annually
  • Senior Community: No
  • Amenities: Basketball Court, Children's Pool, Clubhouse, Dog Park, Jogging Path, Management - Off Site, Park, Pickleball, Playground, Security, Tennis Court(s)
  • Association #2 Fee: 250.0
  • Association #2 Fee Frequency: One Time
  • Association Name: Pablo Bay Homeowner's Association
  • Phone: 850-583-1173
  • Association: Yes

Association/Amenities

  • General Property Information:Association YN: Yes
  • General Property Information:Association Fee: 1500.0
  • General Property Information:Association Fee Frequency: Annually
  • Association Amenities:Clubhouse: Yes
  • General Property Information:Association Name: Pablo Bay Homeowner's Association
  • Association Amenities:Basketball Court: Yes
  • Association Amenities:Playground: Yes
  • Association Amenities:Tennis Courts: Yes
  • Association Amenities:Jogging Path: Yes
  • Association Fee Includes:Maintenance Grounds2: Yes
  • General Property Information:Association Fee 2: 250.0
  • General Property Information:Association Fee 2 Frequency: One Time
  • Association Amenities:Security: Yes
  • Association Fee Includes:Security2: Yes
  • Association Amenities:Park: Yes
  • Association Amenities:Dog Park: Yes
  • Association Amenities:Pickleball: Yes

Fee Information

  • Association Fee Includes: Maintenance Grounds, Security

Lot Info

  • Current Use: Residential, Single Family
  • Lot Size Sq Ft: 10018.8
  • Parcel #: 1674533630
  • Zoning Description: Residential
  • ResoLotSizeUnits: Acres

Tax Info

  • Tax Annual Amount: 5289.71
  • Tax Year: 2024

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Mar 3, 2025
Closed on
Mar 12, 2025
Sold by
Overby Amber P and Overby Michael A
Bought by
Nathanson Heather Sue and Finkelstein Larry Robert
Seller's Agent
VANESSA CARUSO
KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Buyer's Agent
Shelley McCarthy
WATERMARKE REALTY GROUP LLC
List Price
$649,900
Sold Price
$600,000
Premium/Discount to List
-$49,900
-7.68%
Current Estimated Value
$624,119

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$24,119
Avg. Annual Appreciation
8.03%
Original Mortgage
$300,000
Outstanding Balance
$299,251
Interest Rate
6.95%
Mortgage Type
New Conventional
Estimated Equity
$324,868

Purchase Details

Listed on
Nov 5, 2019
Closed on
Dec 12, 2019
Sold by
Bomba Anthony R and Bomba Pamela R
Bought by
Overby Amber P
Seller's Agent
Wendy Rodgers
PLANET REALTY AND MANAGEMENT LLC
Buyer's Agent
Cara Ameer
COLDWELL BANKER VANGUARD REALTY
List Price
$429,000
Sold Price
$409,900
Premium/Discount to List
-$19,100
-4.45%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.53%
Original Mortgage
$389,405
Interest Rate
3.7%
Mortgage Type
New Conventional

Purchase Details

Listed on
Aug 7, 2014
Closed on
Sep 12, 2014
Sold by
Lopez Harvey and Lopez Heather
Bought by
Bomba Anthony R and Bomba Pamela R
Seller's Agent
H. WILLIAM LANDAY
RE/MAX SPECIALISTS
Buyer's Agent
TAMMY MOOREFIELD
GIVE BACK REALTY, LLC.
List Price
$300,000
Sold Price
$315,000
Premium/Discount to List
$15,000
5%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.14%
Original Mortgage
$283,500
Interest Rate
4.17%
Mortgage Type
New Conventional

Purchase Details

Closed on
Jan 21, 2004
Sold by
Cornerstone Homes Llc
Bought by
Lopez Harvey and Lopez Heather

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$228,000
Interest Rate
5.81%
Mortgage Type
Purchase Money Mortgage
Source: Public Records

Range of Values:

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Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $600,000 Ponte Vedra Title
Warranty Deed $409,900 Ponte Vedra Title Llc
Warranty Deed $315,000 Landmark Title
Corporate Deed $318,600 Sheffield & Boatright Title
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $300,000 New Conventional
Previous Owner $389,405 New Conventional
Previous Owner $283,500 New Conventional
Previous Owner $370,000 Unknown
Previous Owner $124,000 Credit Line Revolving
Previous Owner $228,000 Purchase Money Mortgage
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
03/13/2025 03/13/25 Off Market $600,000 -- --
03/12/2025 03/12/25 Sold $600,000 -7.7% $221 / Sq Ft
03/05/2025 03/05/25 Off Market $649,900 -- --
03/03/2025 03/03/25 For Sale $649,900 0.0% $240 / Sq Ft
01/17/2025 01/17/25 Price Changed $649,900 -4.4% $240 / Sq Ft
11/26/2024 11/26/24 For Sale $679,900 +65.9% $251 / Sq Ft
12/17/2023 12/17/23 Off Market $409,900 -- --
12/17/2023 12/17/23 Off Market $315,000 -- --
12/12/2019 12/12/19 Sold $409,900 -4.5% $151 / Sq Ft
11/05/2019 11/05/19 For Sale $429,000 +36.2% $158 / Sq Ft
11/01/2019 11/01/19 Pending -- -- --
09/12/2014 09/12/14 Sold $315,000 +5.0% $115 / Sq Ft
08/07/2014 08/07/14 For Sale $300,000 -- $110 / Sq Ft
07/09/2014 07/09/14 Pending -- -- --
Source: realMLS (Northeast Florida Multiple Listing Service)

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $5,290 $335,837 -- --
2024 $5,290 $326,373 -- --
2023 $5,146 $316,867 $0 $0
2022 $4,719 $307,638 $0 $0
2021 $4,691 $298,678 $0 $0
2020 $4,647 $294,555 $0 $0
2019 $4,735 $295,586 $0 $0
2018 $4,678 $290,075 $0 $0
2017 $4,624 $284,109 $0 $0
2016 $4,601 $278,266 $0 $0
2015 $5,887 $301,342 $0 $0
2014 $5,169 $300,937 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: realMLS (Northeast Florida Multiple Listing Service)

MLS Number: 2058385

realMLS (Northeast Florida Multiple Listing Service)

APN: 167453-3630