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This home is in Jacksonville — a gated community home in Jacksonville.

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Active Under Contract

Active Under Contract·61 days on market

13810 Sutton Park Drive N 511

Jacksonville, FL 32224

$290,000$181/sqftEst. $1,491/moMLS# 2137413

Beds

Baths

1,606

Sq Ft

1997

Built

—

Garage

Pool

About this home

Jacksonville

Light, Bright , First Floor and MOVE IN READY- Brand new LVP throughout , freshly painted , new baseboards, custom light fixtures kitchen updated with solid wood cabinets, Stainless appl. ,w new dishwasher, gas range, granite counters and reverse osmosis water purifying system .The dining area is just off the kitchen and open to the living with a flex space that would be perfect for a home office. Three bedrooms with a full, updated bath occupy the area off of the living space .The Primary suite is privately located on the opposite side of living area with updated bath and large walk in closet . A separate laundry room is equipped with washer, dryer and storage. There are two dedicated parking spaces and a storage room . Amenities include, club house, fitness center, resort style pool, Tennis Crts. Water, Sewer, garbage and pest control included in monthly fee. Close to all, MAYO Health, St Johns Town Center & Jacksonville Beaches

Cost to own

Mortgage calculator

Home Price

$290,000

Down Payment: 20%

$58,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,491

Principal & Interest: $1,491

Property taxes (est.): $474

Insurance (est.): $193

Estimated Total Monthly

$2,158

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$1,491

Property taxesest. at asking price, Duval County$474

HOAbilled monthly$585

Estimated total, before insurance$2,550/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,799/yr · $317/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$275,000	$178,476	▲ $32,500
2024	$242,500	$162,251	▲ $4,500
2023	$238,000	$147,501	—
2022	$216,000	$134,092	—
2021	$161,500	$121,902	—
2020	$152,000	$110,820	—

2025 property taxes (current owner): $3,799/yr

Estimated taxes if purchased at asking price: ~$5,700/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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 1997)

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

Likely sewer · part of complex with utility sewer · Public water · part of complex with utility water

County records indicate this parcel on central sewer served by part of complex with utility sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,792 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

As 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.

History

Price & status history

Aug 25, 2026Active Under Contract$290,000
Aug 8, 2026Price change$290,000−$9,000
Jun 30, 2026Listed$299,000

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

Features

Price$290,000

Price / Sq Ft$181

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,606

Year Built1997

TypeResidential

Sub-TypeCondominium

StyleOther

Property ConditionUpdated/Remodeled

StatusActive Under Contract

Has PoolNo

Is WaterfrontNo

School Information

ElementaryChets Creek

MiddleKernan

Community Information

Address13810 Sutton Park Drive N 511, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionThe Grand Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Parcel Number1677341555

ZoningCondominium

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Management - Full Time, Management- On Site, Playground, Spa/Hot Tub, Storage, Tennis Court(s), Trash

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Assigned, Guest

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Gas Cooktop, Gas Range, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Vinyl

# of Stories1

LevelsOne

LaundryIn Unit

SecurityFire Sprinkler System, Security Gate, Smoke Detector(s)