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

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Active·Listed today

13810 Sutton Park Drive N 1039

Jacksonville, FL 32224

$199,000$175/sqftEst. $1,023/moMLS# 2162970

Beds

Baths

1,138

Sq Ft

2002

Built

—

Garage

Pool

About this home

Jacksonville

Enjoy peaceful preserve views from this top-floor condo, offering higher ceilings, a FLEX ROOM (makes a great office), and a separate STORAGE UNIT plus 3 ASSIGNED PARKING SPACES for added convenience. The interior features wood and tile flooring, granite countertops, and a new dryer. Located in a gated community with resort-style amenities, including basketball, volleyball, and tennis courts, plus on-site management. Enjoy walking paths along Sutton Park Drive and an unbeatable location close to JTB, Mayo Clinic, shopping, restaurants, and more. A fantastic combination of comfort, amenities, and convenience!

Cost to own

Mortgage calculator

Home Price

$199,000

Down Payment: 20%

$39,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,023

Principal & Interest: $1,023

Property taxes (est.): $325

Insurance (est.): $133

Estimated Total Monthly

$1,481

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,023

Property taxesest. at asking price, Duval County$325

HOAbilled monthly$397

Estimated total, before insurance$1,745/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,177/yr · $265/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): $3,177/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.

Hurricane evacuation zone E

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

Roof: Shingle — year not disclosed (home built 2002)

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

Solar potential: ~1,746 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 September 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

Sep 1, 2026Listed$199,000

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

Features

Price$199,000

Price / Sq Ft$175

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,138

Year Built2002

TypeResidential

Sub-TypeCondominium

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

Community Information

Address13810 Sutton Park Drive N 1039, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionThe Grand Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Parcel Number1677342325

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management- On Site, Playground, Storage, Tennis Court(s), Trash

UtilitiesCable Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Assigned, Guest, Parking Lot

ViewTrees/Woods