This home is in Reserve at James Island, Jacksonville — a gated community home in Jacksonville.
Active·47 days on market·Reserve at James Island
10961 Burnt Mill Road 1128
Jacksonville, FL 32256
25 more homes for sale in Reserve at James Island →Search Reserve at James Island on the map
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About this home
Reserve at James Island
Featuring brand new carpet and paint throughout, this move-in ready, second-floor condo is located in the highly desirable gated community of The Reserve at James Island. Offering 1,192 sq ft of comfortable living, this commuter's dream features a split two-bedroom, two-bathroom layout for maximum privacy. Enjoy an open interior with stylish laminate flooring in the living areas, cozy carpet in the bedrooms, tile in wet areas, and stainless steel kitchen appliances. Large walk-in closets, an in-unit laundry room with washer and dryer, and a covered balcony round out the home's top features. Top-notch community amenities include a clubhouse, pool, splash pool, fitness center, basketball court, and gated entry. Highly walkable location--The Block Jax, V Pizza, Foxtail Coffee, Fore Score, and more are right down the street! Situated just 2 miles from St. Johns Town Center and 15 minutes to the Beach and Downtown Jacksonville. Note: Some images feature virtual staging.
Next steps in Reserve at James Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: ~1,762 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 homeAs of August 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,223/yr
Estimated taxes if purchased at asking price: ~$3,600/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
Price & status history
- Sep 30, 2026Price change$184,000−$5,000
- Aug 14, 2026Listed$189,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: JWB REALTY LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Reserve at James Island
Reserve at James Island is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.
View all Reserve at James Island homes for sale →Keep looking
More homes in Reserve at James Island
For Sale10961 Burnt Mill Road 1138Jacksonville, FL 32256
2 bd · 2 ba · 1,287 sq ft
$184,500Est. $982/moLocation, convenience, and resort-style amenities come together in this upgraded top-floor condo at The Reserve at…
Listing Office: integrity key realty llc
For Sale10961 Burnt Mill Road 238Jacksonville, FL 32256
2 bd · 2 ba · 1,192 sq ft
$189,000Est. $1,006/moWelcome to the highly sought-after Reserve at James Island, a gated community offering comfort, privacy, and resort…
Listing Office: coastal realty of ne florida, llc
For Sale10961 Burnt Mill Road 1326Jacksonville, FL 32256
2 bd · 2 ba · 1,171 sq ft
$195,000Est. $1,038/moSome condos are convenient, some are updated, and some come with amenities that make you feel like you're on vacation…
Listing Office: florida's choice realty llc
For Sale10961 Burnt Mill Road 734Jacksonville, FL 32256
2 bd · 2 ba · 1,171 sq ft
$199,900Est. $1,064/moTucked inside the gated community of Reserve at James Island, this move-in ready condo offers a comfortable,…
Listing Office: fathom realty fl, llc.
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines