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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Sold

Sold·Closed Jun 10, 2026·90 days on market·Recent sales in Reserve at James Island·Reserve at James Island

10961 Burnt Mill Road 828

Jacksonville, FL 32256

$205,000sold priceListed at $209,500 · 97.9% of asking$176/sqftMLS# 2128778
2
Beds
2
Baths
1,163
Sq Ft
2001
Built
1
Garage
No
Pool

20 more homes for sale in Reserve at James Island →Search Reserve at James Island on the map

HOA $497/mo871 sqft lotWaterfrontCondominium1 story

About this home

Reserve at James Island

Welcome to the resort-style gated community of The Reserve at James Island. Tucked away toward the back of the neighborhood, this well-maintained condo offers a quiet, private setting with expansive lake views and a private GARAGE! Enjoy relaxing on your peaceful patio with a beautiful water view. Inside, the open-concept living space with wood floors throughout, features an updated kitchen with granite countertops and designer tile backsplash, ideal for everyday living and entertaining. Both bedrooms are generously sized and feature walk-in closets, providing ample storage. Residents enjoy beautifully maintained grounds and an impressive clubhouse with a pool, cabana, fitness center and indoor basketball court. Parking is effortless with your own private garage conveniently connected to the building. Furnishings are negotiable. Schedule your private showing today and experience the best of low-maintenance living in Jacksonville. New water heater and newer AC.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,136
Property taxesest. at asking price, Duval County$335
HOAbilled monthly$497
Estimated total, before insurance$1,967/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,566/yr · $130/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$205,000
$41,000
Loan Term
Monthly Payment
$1,136
Principal & Interest: $1,136
Property taxes (est.): $335
Insurance (est.): $137
Estimated Total Monthly
$1,607
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

YearMarket valueTaxable valueChange
2025$191,500$77,905▼ $20,000
2024$211,500$75,002—
2023$211,500$71,362—
2022$170,500$67,828—
2021$140,000$64,397—
2020$130,500$62,818—

2025 property taxes (current owner): $1,566/yr

Estimated taxes if purchased at asking price: ~$4,000/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.

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 $139/sq ft; this home is listed at $180/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7800 Point Meadows Drive 413, Jacksonville, FL 32256Listed by WATSON REALTY CORPSep 2026$226,000$1762/21,281170.9
7800 Point Meadows Drive 134, Jacksonville, FL 32256Listed by RIVERPOINT REAL ESTATESep 2026$167,500$1372/21,219110.9
7800 Point Meadows Drive 712, Jacksonville, FL 32256Listed by HOVER GIRL PROPERTIESAug 2026$165,000$1282/21,287140.9
7800 Point Meadows Drive 631, Jacksonville, FL 32256Listed by RE/MAX SPECIALISTSOct 2026$158,800$1282/21,2441711
7800 Point Meadows Drive 126, Jacksonville, FL 32256Listed by WATSON REALTY CORPOct 2026$170,000$1392/21,219921
7800 Point Meadows Drive 1338, Jacksonville, FL 32256Listed by BEACH STATE REALTYSep 2026$185,000$1492/21,2441021

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

Price$209,500
Price / Sq Ft$180
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,163
Acres0.02 acres
Year Built2001
TypeResidential
Sub-TypeCondominium
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address10961 Burnt Mill Road 828, Jacksonville, FL 32256
Area024-Baymeadows/Deerwood
SubdivisionReserve At James Island Lc
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Lot Size871.2 sq ft
Parcel Number1677412856
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Trash
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Parking Lot
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySecurity Gate

Exterior

Exterior FeaturesBalcony

Additional Information

Date ListedFebruary 5, 2026
Days on Market90
HOA Fees$497 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Trash
Tax Amount$1,565.86
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 10, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

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