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Independent living

Pablo Towers

Independent living in Jacksonville Beach, Florida

Checked November 2, 2026

Provider details
Address115 3rd St S, Jacksonville Beach, FL 32250
CityJacksonville Beach
StateFlorida
Phone904-249-3866
Age requirement62 and older
Age rule basisHUD designates this property's client group as elderly, and HUD multifamily elderly housing eligibility is age 62 or older for the head of household.
Apartments199
Housing programHUD Section 8 project-based assistance
Income restrictedYes

Pablo Towers is a senior apartment community at 115 South Third Street in Jacksonville Beach, owned by the Beaches Christian Service Corps and managed by the Elderly Housing Management Corporation. It is open to people over 62: a single person over 62, a married couple with at least one spouse over 62, or two people with at least one person over 62.

The homes are efficiency apartments of about 400 square feet and one-bedroom apartments of about 400 to 540 square feet, and some balconies look out over the Atlantic Ocean. Rent includes electricity, water, heat and air conditioning, and for residents with a HUD subsidy the rent is set at 30% of their adjusted income. The building is smoke free, and pets under 25 pounds are allowed with a deposit and shot records.

Inside, residents share a cafe serving lunch five days a week, a computer room, a library, a beauty shop, an exercise room, activity rooms, and a wellness and rehab office. A Service Coordinator helps residents find local services, and the calendar includes holiday parties, weekly devotions, birthday parties, exercise classes, art class, line dancing, and bingo. Staff are not licensed or trained to give meal service or medical care, so this is independent living.

Who pays for independent living?

What this care costs, and who pays — Medicare, Medicaid, or the family — is covered in these guides:

Independent living guide · Paying for care

Common questions about Pablo Towers

Where is Pablo Towers located?

Pablo Towers is at 115 3rd St S, Jacksonville Beach, FL 32250.

How do I contact Pablo Towers?

Call Pablo Towers at 904-249-3866.

How much does independent living cost?

There is no single price for independent living. Rent is set by each community and varies a lot by city. The cost survey this site uses does not publish a national median for independent living, so we do not print one. Medicare does not pay for it, so families pay the rent out of pocket. See our guide to independent living costs and who pays for the full picture.

Does Medicare pay for independent living?

No. Medicare does not pay rent or housing costs. It pays for your medical care while you live there, like doctor visits, hospital care, and home health visits. The housing itself is paid out of pocket.

What is the difference between independent living and assisted living?

Independent living is housing for older adults who can live on their own. It gives a private home, meals in some places, and social activities. It does not include help with daily tasks. Assisted living adds that help. Staff help with bathing, dressing, and medicine, and staff are on hand day and night.

Who else pays for independent living besides Medicare?

Families pay the rent out of pocket. No insurance pays for independent living rent. Low-income senior apartments funded by HUD keep rent lower for people who qualify. Some veterans put VA pension payments toward the rent.

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