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

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Active

Active·95 days on market·Reserve at James Island

10961 Burnt Mill Road 1621

Jacksonville, FL 32256

$244,000$180/sqftEst. $1,254/moMLS# 2147403

Beds

Baths

1,355

Sq Ft

2001

Built

—

Garage

Pool

About this home

Reserve at James Island

**OWNER WILL PAY THE REST OF 2026's HOA DUES W/ FULL PRICE OFFER!** NOT your average condo! Rare lakefront 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. 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. Primary AND Guest Bathroom feature new vanity with marble countertop, updated sinks, soft close drawers & doors, new vanity lights, Kohler water efficient toilets, & Delta shower heads. Deep Walk-in closets in each bedroom. Walk to Block Jax, V Pizza, Foxtail Coffee, Fore Score & more!

Cost to own

Mortgage calculator

Home Price

$244,000

Down Payment: 20%

$48,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,254

Principal & Interest: $1,254

Property taxes (est.): $398

Insurance (est.): $163

Estimated Total Monthly

$1,815

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,254

Property taxesest. at asking price, Duval County$398

HOAbilled monthly$549

Estimated total, before insurance$2,202/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,629/yr · $219/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	$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: ~$4,800/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

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

Jul 30, 2026Price change$244,000−$6,000
May 28, 2026Listed$250,000

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

Features

Price$244,000

Price / Sq Ft$180

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)