This home is in Reserve At James Island Lc, Jacksonville.

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Active

Active·50 days on market·Reserve At James Island Lc

10961 Burnt Mill Road 1621

Jacksonville, FL 32256

$250,000$185/sqftEst. $1,331/moMLS# 2147403

Beds

Baths

1,355

Sq Ft

2001

Built

—

Garage

Pool

About this home

Reserve At James Island Lc

NOT your average condo! This rare 3/2 END UNIT in the Reserve at James Island has nearly $25k in recent upgrades (see list!). Follow the path of palms to the second story where seamless LVP flooring and beams of natural light welcome you. Double lake views from the Living Room, Balcony, and 3rd Bedroom catch your eye. The granite on the island-style Kitchen counter and oversized Elkay Stainless Steel sink sparkle underneath the updated recessed lighting. Custom pull out drawers and additional shelving in nearly every closet add ample storage options. Your Primary AND Guest Bathroom feature a new vanity with marble countertop, updated sinks, soft close drawers and doors, new vanity lights, Kohler water efficient toilets, and Delta shower heads. Deep Walk-in closets in each bedroom. Classy light fixtures and faux wood blinds add to that upscale feel. In addition to all of these perks, The Block Jax, V Pizza, Foxtail Coffee, Fore Score, and more are all within walking distance!

Cost to own

Mortgage calculator

Home Price

$250,000

Down Payment: 20%

$50,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,271

Principal & Interest: $1,271

Est. Taxes & Insurance: $318

Estimated Total Monthly

$1,588

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,331

Property taxesest. at asking price, Duval County$408

HOAbilled monthly$549

Estimated total, before insurance$2,288/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, 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	$240,000	$137,003	▼ $31,500
2024	$271,500	$126,821	—
2023	$271,500	$117,565	—
2022	$190,000	$109,150	—
2021	$153,000	$101,500	—
2020	$151,000	$151,000	—

2025 property taxes (current owner): $2,629/yr

Estimated taxes if purchased at asking price: ~$4,900/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: material not specified — 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: ~1,787 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

Informational 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 28, 2026Listed$250,000

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

Features

Price$250,000

Price / Sq Ft$185

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,355

Acres0.02 acres

Year Built2001

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontYes

Community Information

Address10961 Burnt Mill Road 1621, Jacksonville, FL 32256

Area024-Baymeadows/Deerwood

SubdivisionReserve At James Island Lc

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size871.2 sq ft

Parcel Number1677413206

ZoningCondominium

Amenities

AmenitiesPool, Other, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated

UtilitiesElectricity Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Parking Lot, Unassigned

ViewLake, Pool

Waterfront TypeLake Front

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom - Tub with Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Freezer, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)