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This home is in Reserve at James Island, Jacksonville — a gated community home in Jacksonville.

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Active

Active·1 day on market·Reserve at James Island

10961 Burnt Mill Road 1524

Jacksonville, FL 32256

$159,900$196/sqftEst. $821/moMLS# 2138127

Beds

Baths

814

Sq Ft

2001

Built

—

Garage

Pool

About this home

Reserve at James Island

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!

Cost to own

Mortgage calculator

Home Price

$159,900

Down Payment: 20%

$31,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$821

Principal & Interest: $821

Property taxes (est.): $261

Insurance (est.): $107

Estimated Total Monthly

$1,189

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$821

Property taxesest. at asking price, Duval County$261

HOAbilled monthly$330

Estimated total, before insurance$1,412/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,972/yr · $164/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

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.

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 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 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

Price$159,900

Price / Sq Ft$196

Bedrooms1

Bathrooms1.00

Full Baths1

Square Footage814

Acres0.02 acres

Year Built2001

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryTwin Lakes Academy

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address10961 Burnt Mill Road 1524, Jacksonville, FL 32256

Area024-Baymeadows/Deerwood

SubdivisionReserve At James Island Lc

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size871.2 sq ft

Parcel Number1677413164

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Fitness Center, Gated, Playground, Trash

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingUnassigned

ViewTrees/Woods