This home is in Reserve at James Island, Jacksonville.

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Active Under Contract

Active Under Contract·35 days on market·Reserve at James Island

10961 Burnt Mill Road 225

Jacksonville, FL 32256

$1,400/moMLS# 2126844

Rental listing

Krista specializes in home sales, not rentals. To tour or apply for this rental, contact the listing agent directly:

Carole Bayer Real Estate · COLDWELL BANKER VANGUARD REALTY cbayerrealtor@gmail.com

Beds

Baths

814

Sq Ft

2001

Built

—

Garage

Pool

About this home

Reserve at James Island

Summer Special! Half off First month of lease with acceptable lease by July 1st 2026. The Reserve at James Island Condos offers the perfect blend of maintenance-free living and refined, estate-style appeal in one of Jacksonville's most convenient locations. This beautifully maintained second-story residence features new flooring, a new water heater, and an HVAC system replaced in 2022, providing comfort and peace of mind. The home opens to a spacious living area with a separate dining space, ideal for everyday living and entertaining. The large bedroom includes a walk-in closet, while the generous bathroom offers double sinks and a soaking tub. Step out onto the private balcony overlooking a manicured lawn and the community's resort-style pool, your own quiet retreat. A full-size washer and dryer are included, along with access to all community amenities. This gated community is just minutes from St. Johns Town Center, offering premier shopping, dining, and entertainment.

Cost to own

Mortgage calculator

Home Price

$1,400

Down Payment: 20%

$280

Interest Rate: 6.58%

Loan Term

Monthly Payment

Principal & Interest: $7

Property taxes (est.): $2

Insurance (est.): $1

Estimated Total Monthly

$10

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$151,500	$149,338	▼ $4,000
2024	$155,500	$135,762	—
2023	$155,500	$123,420	—
2022	$127,500	$112,200	—
2021	$102,000	$102,000	—
2020	$102,000	$93,242	—

Estimated taxes if purchased at asking price: ~$0/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.