Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Active

Active·104 days on market

13810 Sutton Park Drive N 535

Jacksonville, FL 32224

$159,900$181/sqftEst. $823/moMLS# 2142989

Beds

Baths

885

Sq Ft

1997

Built

—

Garage

Pool

About this home

Jacksonville

This one-bedroom, one-bathroom unit is move-in ready and offers a thoughtfully designed floor plan that includes a dedicated space for a home office, perfect for modern remote work needs. Experience resort-style living at its finest in the gated community of The Grand Reserve at Windsor Parke. The clubhouse features a fitness center to simplify your daily routine, while the community's private tennis, basketball, and beach volleyball courts allow you to stay active right at home. Residents also enjoy a sparkling resort-style swimming pool as part of an incredible array of maintenance-free amenities. Whether you are looking for a primary residence or a strategic investment, this property offers the perfect blend of comfort and convenience in Northeast Florida, situated just minutes from the Mayo Clinic, UNF, and the St. Johns Town Center. Virtual Staging Disclosure: Some photos have been virtually staged to show the potential of the space.

Cost to own

Mortgage calculator

Home Price

$159,900

Down Payment: 20%

$31,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$823

Principal & Interest: $823

Property taxes (est.): $261

Insurance (est.): $107

Estimated Total Monthly

$1,191

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$823

Property taxesest. at asking price, Duval County$261

HOAbilled monthly$290

Estimated total, before insurance$1,374/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,505/yr · $209/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	$151,000	$133,971	—
2024	$151,000	$121,792	▼ $4,500
2023	$155,500	$110,720	—
2022	$123,000	$100,655	—
2021	$93,000	$91,505	—
2020	$86,500	$83,187	—

2025 property taxes (current owner): $2,505/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.

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 1997)

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: ~1,792 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