This home is in Reserve at James Island, Jacksonville — a gated community home in Jacksonville.
Active Under Contract·46 days on market·Reserve at James Island
10961 Burnt Mill Road #1524
Jacksonville, FL 32256
19 more homes for sale in Reserve at James Island →Search Reserve at James Island on the map
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About this home
Reserve at James Island
SELLER offering $2,500 towards CLOSING COSTS or RATE reduction! Don't rent if you can own. Move in READY with updated LVP flooring in main living areas, stainless appliances range, microwave, refrigerator, dishwasher and NEW Rheem hot water heater. Refinished cabinetry in kitchen. Centrally located resort style living near St. Johns Town Center, UNF, restaurants and I-295. Convenient access to central Jacksonville, MAYO Clinic, the beaches and JAX airport. Low maintenance living in prime location with community amenities, pool with waterfall, cabana, fitness center, indoor basketball court and clubhouse. Open style floorpan with kitchen bar area, home office space and patio with storage closet. Security gate access. Approved for Fannie Mae financing with 3% down!
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 (that applies to the reference bill above too).
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: ~1,755 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:25 AM, sunset 7:01 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $185,000 in June 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $151,500 | $100,778 | ▼ $4,000 |
| 2024 | $155,500 | $105,500 | — |
| 2023 | $155,500 | $105,500 | — |
| 2022 | $127,500 | $41,452 | — |
| 2021 | $102,000 | $38,789 | — |
| 2020 | $102,000 | $37,564 | — |
2025 property taxes (current owner): $1,972/yr
Estimated taxes if purchased at asking price: ~$3,100/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
- Oct 2, 2026Active Under Contract$159,900
- Aug 24, 2026Active$159,900
- Jul 7, 2026Withdrawn$159,900
- Apr 11, 2026Listed$159,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE LEGENDS OF REAL ESTATE
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
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines