This home is in Reserve At James Island Lc, Jacksonville.
Active·69 days on market·Reserve At James Island Lc
10961 Burnt Mill Road 1328
Jacksonville, FL 32256
About this home
Reserve At James Island Lc
3-bedroom, 2-bath condo in the gated community of Reserve at James Island. This second-floor corner unit offers a functional open layout, a bright kitchen overlooking the living space, and a private balcony for added outdoor enjoyment. The spacious primary suite features a walk-in closet and en-suite bath. Residents enjoy access to a community pool and well-maintained grounds, all in a convenient location near the St. Johns Town Center, dining, shopping, and major highways. A great option for a primary residence or investment opportunity.
Cost to own
Mortgage calculator
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $225,000 | $216,686 | ▼ $41,500 |
| 2024 | $266,500 | $196,988 | — |
| 2023 | $266,500 | $179,080 | — |
| 2022 | $185,000 | $162,800 | — |
| 2021 | $148,000 | $148,000 | — |
| 2020 | $146,000 | $146,000 | — |
2025 property taxes (current owner): $3,918/yr
Estimated taxes if purchased at asking price: ~$4,300/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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- May 9, 2026Listed$220,000
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
The neighborhood
About Reserve At James Island Lc
Reserve At James Island Lc is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.
View all Reserve At James Island Lc homes for sale →Listing Courtesy of: GAILEY ENTERPRISES LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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