This home is in Jacksonville.

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Active

Active·45 days on market

13810 Sutton Park Drive N 425

Jacksonville, FL 32224

$159,900$181/sqftEst. $815/moMLS# 2150014

Beds

Baths

885

Sq Ft

1997

Built

—

Garage

Pool

About this home

Jacksonville

Located on the second floor within a gated community, this beautifully refreshed home offers a private setting and access to resort-style amenities. Recent updates include fresh interior paint, stainless steel appliances, granite countertops, and plush new carpeting, creating a move-in-ready space that feels both comfortable and inviting. Residents enjoy community amenities including a pool, fitness center, basketball courts, tennis courts, volleyball, and clubhouse, all in a convenient location close to shopping, dining, and major roadways. Water and sewage are included in HOA fees. On-site HOA for resident convenience!

Cost to own

Mortgage calculator

Home Price

$159,900

Down Payment: 20%

$31,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$815

Principal & Interest: $815

Property taxes (est.): $261

Insurance (est.): $107

Estimated Total Monthly

$1,183

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$815

Property taxesest. at asking price, Duval County$261

HOAbilled monthly$290

Estimated total, before insurance$1,366/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,497/yr · $208/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	$147,000	$135,428	▼ $3,500
2024	$150,500	$123,117	▼ $4,500
2023	$155,000	$111,925	—
2022	$122,500	$101,750	—
2021	$92,500	$92,500	—
2020	$86,000	$86,000	—

2025 property taxes (current owner): $2,497/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: Shingle — year not disclosed (home built 1997)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,775 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

Jun 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$181

Bedrooms1

Bathrooms1.00

Full Baths1

Square Footage885

Year Built1997

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryChets Creek

MiddleKernan

HighAtlantic Coast

Community Information

Address13810 Sutton Park Drive N 425, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionThe Grand Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Parcel Number1677341485

ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s), Trash, Water

UtilitiesCable Available, Electricity Connected, Water Connected

Water SourcePublic

ParkingAdditional Parking, Assigned, Guest, Parking Lot