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

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Active

Active·1 day on market·Reserve at James Island

10961 Burnt Mill Road 614

Jacksonville, FL 32256

$239,900$205/sqftEst. $1,237/moMLS# 2158950

Beds

Baths

1,171

Sq Ft

2001

Built

Garage

Pool

About this home

Reserve at James Island

Experience the perfect combination of location, convenience, and low-maintenance living in the gated community of Reserve at James Island. Ideally situated in Jacksonville's thriving Southside, this home offers quick access to I-95, making commuting to Downtown Jacksonville, the beaches, Mayo Clinic, Baptist South, and NAS Jax a breeze. Just minutes from St. Johns Town Center, The Avenues Mall, Durbin Park, top-rated restaurants, shopping, fitness centers, and everyday essentials including Publix, Whole Foods, Trader Joe's, and Costco. Enjoy nearby parks, walking trails, and endless entertainment while living in one of Jacksonville's fastest-growing areas. Whether you're a first-time buyer, investor, or looking to downsize, this prime location offers exceptional value and an outstanding Florida lifestyle.

Cost to own

Mortgage calculator

Home Price

$239,900

Down Payment: 20%

$47,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,237

Principal & Interest: $1,237

Property taxes (est.): $392

Insurance (est.): $160

Estimated Total Monthly

$1,789

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,237

Property taxesest. at asking price, Duval County$392

HOAbilled monthly$474

Estimated total, before insurance$2,103/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,436/yr · $286/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): $3,436/yr

Estimated taxes if purchased at asking price: ~$4,700/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.

History