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This home is in Jacksonville — a gated community home in Jacksonville.

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Active

Active·215 days on market

13810 Sutton Park Drive 1433

Jacksonville, FL 32224

$264,900$219/sqftEst. $1,362/moMLS# 2127180

Beds

Baths

1,212

Sq Ft

2002

Built

Garage

Pool

About this home

Jacksonville

Elevated living awaits in this rare third-floor 2-bedroom, 2-bath residence, truly one of a kind within the community. Vaulted ceilings create a bright, open feel, complemented by custom built-in cabinetry for exceptional storage. The main living area features luxury vinyl plank flooring and a striking shiplap accent wall. The chef-inspired kitchen showcases stainless steel appliances, granite countertops, subway tile backsplash, and a custom 8-panel pantry door that adds architectural charm. The expansive primary suite offers a spa-like bath with black stone granite, dual vanities, a seamless glass walk-in shower, and a curated mix of honeycomb, subway, and diamond tile. Both bedrooms include large walk-in closets. Brand-new HVAC system, Brand new water heater, plantation shutters, private garage, and all appliances--including washer and dryer--convey. Enjoy a prime location just 10 minutes from the beach and minutes to JTB and Windsor Golf Course.

Cost to own

Mortgage calculator

Home Price

$264,900

Down Payment: 20%

$52,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,362

Principal & Interest: $1,362

Property taxes (est.): $433

Insurance (est.): $177

Estimated Total Monthly

$1,971

*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$1,362

Property taxesest. at asking price, Duval County$433

HOAbilled monthly$397

Estimated total, before insurance$2,191/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,593/yr · $216/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

Year	Market value	Taxable value	Change
2025	$186,500	$135,778	▼ $13,500
2024	$200,000	$134,596	▲ $7,000
2023	$193,000	$129,220	—
2022	$174,000	$124,000	—
2021	$134,000	$134,000	—
2020	$125,000	$75,000	—

2025 property taxes (current owner): $2,593/yr

Estimated taxes if purchased at asking price: ~$5,200/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 2002)

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

Likely sewer · part of complex with utility sewer · Public water · part of complex with utility water

County records indicate this parcel on central sewer served by part of complex with utility sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,739 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

Jul 15, 2026Price change$264,900−$5,000
Jan 27, 2026Listed$269,900

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

Features

Price$264,900

Price / Sq Ft$219

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,212

Year Built2002

TypeResidential

Sub-TypeCondominium

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryChets Creek

MiddleKernan

Community Information

Address13810 Sutton Park Drive 1433, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionGrand Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Parcel Number1677342815

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Attached, Garage, Gated

Interior

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

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Freezer, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)