This home is in Jacksonville.

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Active

Active·123 days on market

13810 Sutton Park Drive N 823

Jacksonville, FL 32224

$165,000$136/sqftEst. $878/moMLS# 2135107

Beds

Baths

1,212

Sq Ft

2002

Built

—

Garage

Pool

About this home

Jacksonville

** Price Adjustment ** This 2 bedroom, 2 bathroom second floor condo is located in The Grand Reserve gated community. Enjoy the open layout and natural lighting while preparing a meal in your granite countertop kitchen with stainless appliances, gas oven, microwave, and under-mounted sink. There is a separate utility room with washer & dryer, a separate dining room, and a living room that includes a gas fireplace and panoramic windows. The primary bedroom includes a large bathroom with marble countertops, double vanity, and tiled shower. Both bedrooms have plenty of walk-in closet space. Ride your bike or walk to nearby shopping or take a short drive to plenty of entertainment and the beach.

Cost to own

Mortgage calculator

Home Price

$165,000

Down Payment: 20%

$33,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$839

Principal & Interest: $839

Est. Taxes & Insurance: $210

Estimated Total Monthly

$1,048

*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$878

Property taxesest. at asking price, Duval County$269

HOAbilled annually$20

Estimated total, before insurance$1,167/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

Last sold: $275,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$204,650	$204,650	▼ $14,850
2024	$219,500	$163,154	▲ $7,700
2023	$211,800	$156,800	—
2022	$174,000	$76,644	—
2021	$134,000	$72,941	—
2020	$125,000	$71,237	—

2025 property taxes (current owner): $3,651/yr

Estimated taxes if purchased at asking price: ~$3,200/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: material not specified — year not disclosed (home built 2002)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — 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

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