This home is in Reserve At James Island Lc, Jacksonville.

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Active

Active·191 days on market·Reserve At James Island Lc

10961 Burnt Mill Road 328

Jacksonville, FL 32256

$217,900$183/sqftEst. $1,160/moMLS# 2123784

Beds

Baths

1,192

Sq Ft

2001

Built

—

Garage

Pool

About this home

Reserve At James Island Lc

MOVE IN READY CONDO IN THE GATED RESERVE AT JAMES ISLAND. With abundant natural light, and an open floor plan, the end unit features an open kitchen with a breakfast nook and breakfast bar leading into the family room. Both spacious bedrooms include walk-in closets, with a large primary suite offering upgraded bath finishes. Relax on your private balcony. Recent updates include fresh paint, LVP flooring throughout, updated lighting, new dishwasher, new HVAC and water heater in 2023 giving peace of mind and new toilets. Most furniture is negotiable to save you having to shop around! Community amenities include a sparkling pool with cabana, fitness center, indoor basketball, clubhouse, car wash, and more. Minutes to St. Johns Town Center, UNF, Mayo Clinic, I-95, and the Beaches - this is low-maintenance luxury living at its best.

Cost to own

Mortgage calculator

Home Price

$217,900

Down Payment: 20%

$43,580

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,108

Principal & Interest: $1,108

Est. Taxes & Insurance: $277

Estimated Total Monthly

$1,384

*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$1,160

Property taxesest. at asking price, Duval County$356

HOAbilled monthly$451

Estimated total, before insurance$1,967/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: $205,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$180,500	$180,500	▼ $31,000
2024	$211,500	$211,500	—
2023	$211,500	$167,585	—
2022	$169,500	$152,350	—
2021	$138,500	$138,500	—
2020	$129,000	$129,000	—

2025 property taxes (current owner): $3,223/yr

Estimated taxes if purchased at asking price: ~$4,300/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2001)

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: ~1,741 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

Jan 6, 2026Listed$217,900

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

Features

Price$217,900

Price / Sq Ft$183

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,192

Acres0.02 acres

Year Built2001

TypeResidential

Sub-TypeCondominium

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address10961 Burnt Mill Road 328, Jacksonville, FL 32256

Area024-Baymeadows/Deerwood

SubdivisionReserve At James Island Lc

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size871.2 sq ft

Parcel Number1677412644

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Jogging Path

UtilitiesCable Connected, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingParking Lot

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Guest Suite, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringLaminate

# of Stories3