This home is in Reserve At James Island Lc, Jacksonville.

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Active·147 days on market·Reserve At James Island Lc

10961 Burnt Mill Road 238

Jacksonville, FL 32256

$189,000$159/sqftEst. $1,006/moMLS# 2131078

Beds

Baths

1,192

Sq Ft

2001

Built

—

Garage

Pool

About this home

Reserve At James Island Lc

Welcome to the highly sought-after Reserve at James Island, a gated community offering comfort, privacy, and resort style amenities. Within 5 minutes from the Town-center, 15 minutes from the beach.

Cost to own

Mortgage calculator

Home Price

$189,000

Down Payment: 20%

$37,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$961

Principal & Interest: $961

Est. Taxes & Insurance: $240

Estimated Total Monthly

$1,201

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,006

Property taxesest. at asking price, Duval County$309

HOAbilled monthly$486

Estimated total, before insurance$1,801/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$180,500	$180,500	▼ $31,000
2024	$211,500	$184,343	—
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: ~$3,700/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: Shingle — 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 Water/Sewer in complex 2014 data

County records show this parcel on central sewer served by JEA Water/Sewer in complex 2014 data — no septic system to inspect or maintain.

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

Solar potential: ~1,762 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History