Pablo Creek, just outside Jacksonville, represents a subdued Tom Fazio layout. Created in the mid‑1990s for a private client and kept low‑key, the golf‑only club sits beside the river that gives it its name, bordering extensive swampland and wetlands near the Intracoastal. The unassuming routing threads through narrow stands of flat pines and skirts marshes and lagoons, with raised turf shoulders sculpted over bunkers and waste areas to add contour. To post a good score you need to keep the ball on line and be sharp around the greens—those small, raised targets are far from simple to hit.