This home is in Reserve at James Island, Jacksonville.

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Active

Active·1 day on market·Reserve at James Island

10961 Burnt Mill Road 414

Jacksonville, FL 32256

$244,990$209/sqftEst. $1,249/moMLS# 2156996

Beds

Baths

1,171

Sq Ft

2001

Built

Garage

Pool

About this home

Reserve at James Island

Fully updated unit with private 1 car garage and gorgeous pond views at The beautiful gated community of The Reserve at James Island. Prime location ground floor and steps away from private 1 car garage. Open concept with dining and living areas, this unit has one the best views in the community ! Bright and open split floor plan with crown molding, 9ft ceilings, covered patio with storage area and LVP throughout the entire condo. The kitchen features white cabinets, granite countertops, stainless steel appliances and large pantry. Two spacious bedrooms with walk in closets and en suite bathrooms with modern cabinets and fixtures and nice walk in showers. This move-in ready condo is what you have been looking for. Resort style amenities include-pool, fitness center, basketball court, clubhouse, car wash station, pest control and much more. Conveniently located minutes from St. John's Town Center, UNF, shopping, eating and entertainment and a short drive to the beaches or downtown.

Cost to own

Mortgage calculator

Home Price

$244,990

Down Payment: 20%

$48,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,249

Principal & Interest: $1,249

Property taxes (est.): $400

Insurance (est.): $163

Estimated Total Monthly

$1,812

*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$1,249

Property taxesest. at asking price, Duval County$400

HOAbilled monthly$474

Estimated total, before insurance$2,124/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,699/yr · $225/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

2025 property taxes (current owner): $2,699/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, 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: ~1,737 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 24, 2026Listed$244,990

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

Features

Price$244,990

Price / Sq Ft$209

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,171

Acres0.02 acres

Year Built2001

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Direction FacesEast

Community Information

Address10961 Burnt Mill Road 414, Jacksonville, FL 32256

Area024-Baymeadows/Deerwood

SubdivisionReserve At James Island Lc

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size871.2 sq ft

Parcel Number1677412666

Amenities

AmenitiesPool, Car Wash Area, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management- On Site

UtilitiesElectricity Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Parking Lot

ViewPond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingElectric

CoolingCentral Air

# of Stories1

LevelsOne

LaundryIn Unit

SecurityEntry Phone/Intercom, Security Gate, Smoke Detector(s)