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 gated community home in Jacksonville.

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Active

Active·3 days on market·Reserve at James Island

10961 Burnt Mill Road 1138

Jacksonville, FL 32256

$184,500$143/sqftEst. $953/moMLS# 2163187

Beds

Baths

1,287

Sq Ft

2001

Built

—

Garage

Pool

About this home

Reserve at James Island

Location, convenience, and resort-style amenities come together in this upgraded top-floor condo at The Reserve at James Island. Built in 2001, this spacious 2-bedroom, 2-bath condo offers 1,287 square feet of comfortable living space plus a versatile office or flex area. Located on the third and top floor, the home features a high vaulted ceiling that creates an open and airy feel throughout the main living area. Step inside to a welcoming layout with no carpet. Tile flooring extends through the main living areas, while wood-look LVP flooring adds warmth to the bedrooms. The eat-in kitchen features granite countertops and stainless steel appliances, along with plenty of space for everyday dining. An interior laundry room provides additional convenience. Both bedrooms offer walk-in closets, with custom built-ins in the primary bedroom closet for added storage and organization. Both full bathrooms have been updated, and the additional office or flex space provides extra room

Cost to own

Mortgage calculator

Home Price

$184,500

Down Payment: 20%

$36,900

Interest Rate: 6.71%

Loan Term

Monthly Payment

$953

Principal & Interest: $953

Property taxes (est.): $301

Insurance (est.): $123

Estimated Total Monthly

$1,378

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$953

Property taxesest. at asking price, Duval County$301

HOAbilled monthly$474

Estimated total, before insurance$1,729/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $21/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.

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: ~1,757 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