Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Reserve at James Island, Jacksonville — a gated community home in Jacksonville.

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Active

Active·236 days on market·Reserve at James Island

10961 Burnt Mill Road 328

Jacksonville, FL 32256

$217,900$183/sqftEst. $1,120/moMLS# 2123784

Beds

Baths

1,192

Sq Ft

2001

Built

—

Garage

Pool

About this home

Reserve at James Island

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: 6.66%

Loan Term

Monthly Payment

$1,120

Principal & Interest: $1,120

Property taxes (est.): $356

Insurance (est.): $145

Estimated Total Monthly

$1,621

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$1,120

Property taxesest. at asking price, Duval County$356

HOAbilled monthly$451

Estimated total, before insurance$1,927/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,223/yr · $269/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• 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 (that applies to the reference bill above too).

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

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

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

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