This home is in Reserve at James Island, Jacksonville — a gated community home in Jacksonville.
Active·282 days on market·Reserve at James Island
10961 Burnt Mill Road 328
Jacksonville, FL 32256
17 more homes for sale in Reserve at James Island →Search Reserve at James Island on the map
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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.
Next steps in Reserve at James Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeAs 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.
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: ~$4,100/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.
History
Price & status history
- Sep 25, 2026Price change$210,000−$7,900
- Jan 6, 2026Listed$217,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $149/sq ft; this home is listed at $176/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 10961 Burnt Mill Road 414, Jacksonville, FL 32256Listed by HOUWZER, INC. | Oct 2026 | $237,000 | $202 | 2/2 | 1,171 | 34 | 0 |
| 7800 Point Meadows Drive 413, Jacksonville, FL 32256Listed by WATSON REALTY CORP | Sep 2026 | $226,000 | $176 | 2/2 | 1,281 | 17 | 0.9 |
| 7800 Point Meadows Drive 134, Jacksonville, FL 32256Listed by RIVERPOINT REAL ESTATE | Sep 2026 | $167,500 | $137 | 2/2 | 1,219 | 11 | 0.9 |
| 7800 Point Meadows Drive 126, Jacksonville, FL 32256Listed by WATSON REALTY CORP | Oct 2026 | $170,000 | $139 | 2/2 | 1,219 | 92 | 1 |
| 7800 Point Meadows Drive 631, Jacksonville, FL 32256Listed by RE/MAX SPECIALISTS | Oct 2026 | $158,800 | $128 | 2/2 | 1,244 | 171 | 1.1 |
| 7800 Point Meadows Drive 1338, Jacksonville, FL 32256Listed by BEACH STATE REALTY | Sep 2026 | $185,000 | $149 | 2/2 | 1,244 | 102 | 1.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SELECT REALTY LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Reserve at James Island
Reserve at James Island is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.
View all Reserve at James Island homes for sale →Keep looking
More homes in Reserve at James Island
For Sale10961 Burnt Mill Road 423Jacksonville, FL 32256
2 bd · 2 ba · 1,283 sq ft
$220,000Est. $1,171/moWelcome to the Reserve at James Island, a gated community offering resort-style amenities in one beautifully updated…
Listing Office: exp realty llc
For Sale10961 Burnt Mill Road 614Jacksonville, FL 32256
2 bd · 2 ba · 1,171 sq ft
$199,900Est. $1,064/moRARE PRIVATE 1-CAR GARAGE! Experience low-maintenance living in the gated community of Reserve at James Island. This…
Listing Office: epique realty, inc
For Sale10961 Burnt Mill Road 734Jacksonville, FL 32256
2 bd · 2 ba · 1,171 sq ft
$199,900Est. $1,064/moTucked inside the gated community of Reserve at James Island, this move-in ready condo offers a comfortable,…
Listing Office: fathom realty fl, llc.
For Sale10961 Burnt Mill Road 426Jacksonville, FL 32256
2 bd · 2 ba · 1,171 sq ft
$199,000Est. $1,059/moWelcome to The Reserve at James Island, a gated condominium community where comfort, convenience, and resort-style…
Listing Office: exit magnolia point realty
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines