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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 gated community home in Jacksonville.

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Sold

Sold·Closed May 21, 2026·92 days on market·Recent sales in Reserve at James Island·Reserve at James Island

10961 Burnt Mill Road 1115

Jacksonville, FL 32256

$195,000sold priceListed at $205,000 · 95.1% of asking$167/sqftMLS# 2132210
2
Beds
2
Baths
1,171
Sq Ft
2001
Built
—
Garage
No
Pool

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

HOA $448/mo871 sqft lotCondominium1 story

About this home

Reserve at James Island

Beautiful Ground-Floor Condo in The Reserve at James Island! Step into resort-style living with this spacious, freshly painted 2BR/2BA condo located in a desirable gated community just minutes from St. Johns Town Center, Jax Beach, and I-295. This inviting home features wood-look tile flooring, granite countertops, newer stainless steel appliances, crown molding, and a private lanai overlooking peaceful green space. The open living and dining area offers great natural light, creating a warm and welcoming atmosphere. The owner's suite includes a walk-in closet and relaxing soaking tub, while the second bedroom also features its own walk-in closet. A dedicated laundry room with washer and dryer included adds everyday convenience. Major updates are already taken care of with the HVAC and water heater replaced in 2023. Enjoy exceptional community amenities including 24/7 security, resort-style pool, fitness center, indoor basketball court, billiards, and clubhouse.

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$1,080
Property taxesest. at asking price, Duval County$318
HOAbilled monthly$448
Estimated total, before insurance$1,847/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,170/yr · $264/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

$195,000
$39,000
Loan Term
Monthly Payment
$1,080
Principal & Interest: $1,080
Property taxes (est.): $318
Insurance (est.): $130
Estimated Total Monthly
$1,529
*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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2001)

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

Solar potential: ~1,757 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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,170/yr

Estimated taxes if purchased at asking price: ~$3,800/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, NEFMLS.

History

Price & status history

  • Feb 26, 2026Listed$205,000

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

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 $175/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7800 Point Meadows Drive 413, Jacksonville, FL 32256Listed by WATSON REALTY CORPSep 2026$226,000$1762/21,281170.8
7800 Point Meadows Drive 134, Jacksonville, FL 32256Listed by RIVERPOINT REAL ESTATESep 2026$167,500$1372/21,219110.8
7800 Point Meadows Drive 712, Jacksonville, FL 32256Listed by HOVER GIRL PROPERTIESAug 2026$165,000$1282/21,287140.8
7800 Point Meadows Drive 631, Jacksonville, FL 32256Listed by RE/MAX SPECIALISTSOct 2026$158,800$1282/21,2441710.9
7800 Point Meadows Drive 126, Jacksonville, FL 32256Listed by WATSON REALTY CORPOct 2026$170,000$1392/21,219920.9
7800 Point Meadows Drive 1514, Jacksonville, FL 32256Listed by KELLER WILLIAMS ST JOHNSSep 2026$169,000$1392/21,21921

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$205,000
Price / Sq Ft$175
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,171
Acres0.02 acres
Year Built2001
TypeResidential
Sub-TypeCondominium
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address10961 Burnt Mill Road 1115, Jacksonville, FL 32256
Area024-Baymeadows/Deerwood
SubdivisionReserve At James Island Lc
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Lot Size871.2 sq ft
Parcel Number1677412968

Amenities

AmenitiesPool, Basketball Court, Car Wash Area, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Pickleball, Playground, Tennis Court(s), Trash
Community FeaturesSidewalks, Street Lights, Gated
UtilitiesElectricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Parking Lot
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories1
LevelsOne
LaundryIn Unit
Security24 Hour Security, Fire Alarm, Security Gate, Smoke Detector(s)

Exterior

Lot DescriptionMany Trees
Patio / PorchPorch
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 27, 2026
Days on Market92
HOA Fees$448 / Monthly
HOA FrequencyMonthly
Tax Amount$3,169.64
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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 May 21, 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?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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