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 Reserve at James Island, Jacksonville — a home near Atlantic Coast High School.

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Active

Active·2 days on market·Reserve at James Island

10961 Burnt Mill Road 1326

Jacksonville, FL 32256

$200,000$171/sqftEst. $1,027/moMLS# 2161021

Beds

Baths

1,171

Sq Ft

2001

Built

—

Garage

Pool

About this home

Reserve at James Island

***OPEN HOUSE on Sunday (8/23), 11-1pm!*** Some condos are convenient, some are updated, and some come with amenities that make you feel like you're on vacation without ever leaving home...but this one checks all three boxes. Tucked inside The Reserve at James Island, this cozy condo has been given a thoughtful refresh over the last several years, including updated flooring, kitchen and bathroom components, interior paint, accent walls, crown moulding, and other touches that make the space feel polished and inviting. There's plenty of storage, too! Outside your front door, the community really shines, with some of the most beautiful landscaping you'll find in a condo community, plus a resort-style pool and hot tub, fitness center, indoor basketball court, gorgeous clubhouse, gated entry, 24-hour security, and exterior maintenance provided by the association. The HVAC and water heater have been replaced, while the community's roof was replaced a few years back.

Cost to own

Mortgage calculator

Home Price

$200,000

Down Payment: 20%

$40,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,027

Principal & Interest: $1,027

Property taxes (est.): $327

Insurance (est.): $133

Estimated Total Monthly

$1,487

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,027

Property taxesest. at asking price, Duval County$327

HOAbilled monthly$474

Estimated total, before insurance$1,828/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,247/yr · $104/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): $1,247/yr

Estimated taxes if purchased at asking price: ~$3,900/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: Shingle — 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

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,801 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

Price & status history

Aug 20, 2026Listed$200,000

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

Features

Price$200,000

Price / Sq Ft$171

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,171

Acres0.02 acres

Year Built2001

TypeResidential

Sub-TypeCondominium

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesNorthwest

School Information

ElementaryTwin Lakes Academy

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address10961 Burnt Mill Road 1326, Jacksonville, FL 32256

Area024-Baymeadows/Deerwood

SubdivisionReserve At James Island Lc

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size871.2 sq ft

Parcel Number1677413080

ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Basketball Court, Car Wash Area, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management- On Site, Security, Spa/Hot Tub, Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Gated, Parking Lot, Unassigned

ViewOther

Interior

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

AppliancesDishwasher, Dryer, Electric Range, Freezer, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

Security24 Hour Security, Fire Alarm, Fire Sprinkler System, Security Gate, Smoke Detector(s)

Spa FeaturesCommunity