This home is in Jacksonville.

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Active

Active·219 days on market

13810 Sutton Park Drive N 521

Jacksonville, FL 32224

$295,000$184/sqftEst. $1,570/moMLS# 2120966

Beds

Baths

1,606

Sq Ft

1997

Built

—

Garage

Pool

About this home

Jacksonville

Rare opportunity to own one of the few 4 bedroom end units in the gated Grand Reserve Luxury Resort Condos. 2nd floor with no upstairs neighbors. 2 deeded parking spaces up close and a storage unit. Close to beach, mayo, UNF and downtown. Good rental opportunities.

Cost to own

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,499

Principal & Interest: $1,499

Est. Taxes & Insurance: $375

Estimated Total Monthly

$1,874

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$1,570

Property taxesest. at asking price, Duval County$482

HOAbilled monthly$567

Estimated total, before insurance$2,619/mo

• 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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $280,000 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$278,750	$269,087	▲ $34,125
2024	$244,625	$244,625	▲ $4,725
2023	$239,900	$173,304	—
2022	$216,800	$166,800	—
2021	$152,000	$152,000	—
2020	$142,500	$139,308	—

2024 property taxes (current owner): $4,391/yr

Estimated taxes if purchased at asking price: ~$5,800/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 (2025), NEFMLS.

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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 1997)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,792 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Dec 9, 2025Listed$295,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$295,000

Price / Sq Ft$184

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,606

Year Built1997

TypeResidential

Sub-TypeCondominium

StyleFlat

StatusActive

Has PoolNo

Is WaterfrontNo

School Information

ElementaryChets Creek

MiddleKernan

HighAtlantic Coast

Community Information

Address13810 Sutton Park Drive N 521, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionThe Grand Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Parcel Number1677341595

Amenities

AmenitiesPool, Barbecue, Basketball Court, Cable TV, Clubhouse, Dog Park, Fitness Center, Gated, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s), Trash

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Gated, Varies by Unit

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Freezer, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Hot Water, Natural Gas

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecurityFire Sprinkler System, Security Gate, Smoke Detector(s)