This home is in Jacksonville.

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Pending

Pending·142 days on market

13810 Sutton Park Drive 123

Jacksonville, FL 32224

$189,900$157/sqftEst. $1,011/moMLS# 2131902

Beds

Baths

1,212

Sq Ft

1997

Built

—

Garage

Pool

About this home

Jacksonville

Motivated Seller! Ask about paint and flooring credit to make this beautiful condo to your preferred color and style! Welcome to easy coastal living in The Grand Reserve, a gated community just minutes from Jacksonville's beautiful beaches. This well-designed 2 bedroom, 2 bathroom condo offers two omfortable bedroom suites, each with its own walk-in closet, plus an indoor laundry room! Features all new stainless steel appliances, new HVAC, and new washer and dryer set. The Grand Reserve offers a great collection of amenities, including a resort-style pool, clubhouse, fitness center, tennis and basketball courts, volleyball area, putting green, picnic areas with grills, and sidewalks around the lake for peaceful walks. The low HOA also includes water, sewer, trash, exterior insurance and landscaping. So all you have to worry about is electric and internet while you enjoy all the amenities, adding convenience and value.

Cost to own

Mortgage calculator

Home Price

$189,900

Down Payment: 20%

$37,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$965

Principal & Interest: $965

Est. Taxes & Insurance: $241

Estimated Total Monthly

$1,207

*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$1,011

Property taxesest. at asking price, Duval County$310

HOAbilled monthly$397

Estimated total, before insurance$1,718/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	$181,500	$130,778	▼ $13,500
2024	$195,000	$112,193	▲ $7,000
2023	$188,000	$101,994	—
2022	$169,000	$92,722	—
2021	$129,000	$84,293	—
2020	$120,000	$76,630	—

2025 property taxes (current owner): $2,504/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.