Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a gated community home in Jacksonville.

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Active

Active·2 days on market

13810 Sutton Park Drive 835

Jacksonville, FL 32224

$154,000$174/sqftEst. $793/moMLS# 2160228

Beds

Baths

885

Sq Ft

2002

Built

—

Garage

Pool

About this home

Jacksonville

Spacious one bedroom condo in popular and gated The Grand Reserve condo community. Unit is on the 3rd floor of the building with no one above you. The AC was replaced in 2024. It has large windows and a flex room to use as an office, work out room, library, music room, or an extension of your living room. Gas stove and other kitchen appliances stay, as does the full size washer and dryer. Large windows for lots of light and a walk-in closet in the bedroom. It also has a small pantry closet and a coat closet by the front door. Assigned/deeded parking spaces with plenty of visitor parking in front of the building. Amenities include pool, fitness center, volleyball and tennis courts. The pool area is currently undergoing extensive renovation. Convenient location with easy access to JTB to get anywhere in NE Florida quickly. Publix and Starbucks right around the corner, too!

Cost to own

Mortgage calculator

Home Price

$154,000

Down Payment: 20%

$30,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$793

Principal & Interest: $793

Property taxes (est.): $251

Insurance (est.): $103

Estimated Total Monthly

$1,147

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$793

Property taxesest. at asking price, Duval County$251

HOAbilled monthly$290

Estimated total, before insurance$1,334/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,979/yr · $165/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): $1,979/yr

Estimated taxes if purchased at asking price: ~$3,000/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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 2002)

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

Likely sewer · part of complex with utility sewer · Public water · part of complex with utility water

County records indicate this parcel on central sewer served by part of complex with utility sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,744 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 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.

History