This home is in Reserve at James Island, Jacksonville — a home near Atlantic Coast High School.
Active·204 days on market·Reserve at James Island
10961 Burnt Mill Road 734
Jacksonville, FL 32256
17 more homes for sale in Reserve at James Island →Search Reserve at James Island on the map
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Reserve at James Island
Tucked inside the gated community of Reserve at James Island, this move-in ready condo offers a comfortable, low-maintenance lifestyle in a beautifully landscaped setting. The open layout features vaulted ceilings with a seamless flow between the kitchen, dining, and living areas. The living room/hallway has been recently updated with LVP flooring. The kitchen includes stainless steel appliances, white cabinetry with updated hardware, and upgraded lighting throughout. Both bedrooms offer walk-in closets, along with additional storage including a linen closet and a private storage closet on the lanai. A spacious laundry room is conveniently located off the kitchen. Residents enjoy access to resort-style amenities including a pool and cabana, clubhouse, fitness center, indoor basketball court, outdoor grill, and scenic walking paths. Ideally located near St. Johns Town Center, UNF, downtown, and the beaches, with 24/7 gated access.
Next steps in Reserve at James Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: ~1,737 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 homeAs of July 2026, 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
Last sold: $285,000 in April 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $204,125 | $153,403 | ▼ $34,500 |
| 2024 | $238,625 | $188,625 | — |
| 2023 | $238,625 | $188,625 | — |
| 2022 | $166,500 | $116,500 | — |
| 2021 | $136,000 | $136,000 | — |
| 2020 | $126,500 | $125,396 | — |
Estimated taxes if purchased at asking price: ~$3,900/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.
History
Price & status history
- Sep 17, 2026Price change$199,900−$18,100
- Mar 26, 2026Listed$218,000
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 $149/sq ft; this home is listed at $171/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 10961 Burnt Mill Road 414, Jacksonville, FL 32256Listed by HOUWZER, INC. | Oct 2026 | $237,000 | $202 | 2/2 | 1,171 | 34 | 0 |
| 7800 Point Meadows Drive 413, Jacksonville, FL 32256Listed by WATSON REALTY CORP | Sep 2026 | $226,000 | $176 | 2/2 | 1,281 | 17 | 0.8 |
| 7800 Point Meadows Drive 134, Jacksonville, FL 32256Listed by RIVERPOINT REAL ESTATE | Sep 2026 | $167,500 | $137 | 2/2 | 1,219 | 11 | 0.9 |
| 7800 Point Meadows Drive 631, Jacksonville, FL 32256Listed by RE/MAX SPECIALISTS | Oct 2026 | $158,800 | $128 | 2/2 | 1,244 | 171 | 1 |
| 7800 Point Meadows Drive 126, Jacksonville, FL 32256Listed by WATSON REALTY CORP | Oct 2026 | $170,000 | $139 | 2/2 | 1,219 | 92 | 1 |
| 7800 Point Meadows Drive 1338, Jacksonville, FL 32256Listed by BEACH STATE REALTY | Sep 2026 | $185,000 | $149 | 2/2 | 1,244 | 102 | 1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FATHOM REALTY FL, LLC.
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 →Keep looking
More homes in Reserve at James Island
For Sale10961 Burnt Mill Road 614Jacksonville, FL 32256
2 bd · 2 ba · 1,171 sq ft
$199,900Est. $1,064/moRARE PRIVATE 1-CAR GARAGE! Experience low-maintenance living in the gated community of Reserve at James Island. This…
Listing Office: epique realty, inc
For Sale10961 Burnt Mill Road 426Jacksonville, FL 32256
2 bd · 2 ba · 1,171 sq ft
$199,000Est. $1,059/moWelcome to The Reserve at James Island, a gated condominium community where comfort, convenience, and resort-style…
Listing Office: exit magnolia point realty
For Sale10961 Burnt Mill Road 1326Jacksonville, FL 32256
2 bd · 2 ba · 1,171 sq ft
$195,000Est. $1,038/moSome condos are convenient, some are updated, and some come with amenities that make you feel like you're on vacation…
Listing Office: florida's choice realty llc
For Sale10961 Burnt Mill Road 328Jacksonville, FL 32256
2 bd · 2 ba · 1,192 sq ft
$210,000Est. $1,118/moMOVE IN READY CONDO IN THE GATED RESERVE AT JAMES ISLAND. With abundant natural light, and an open floor plan, the end…
Listing Office: select realty llc
Keep looking
Similar homes in Jacksonville
Explore the area
More in Reserve at James Island
Reserve at James Island guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines