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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Pending

Pending·28 days on market

13810 Sutton Park Drive N 1415

Jacksonville, FL 32224

$139,000$157/sqftEst. $761/moMLS# 2163367
↓ $5,900 below original list
1
Beds
1
Baths
885
Sq Ft
2002
Built
—
Garage
No
Pool
HOA $290/moCondominium1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

PERFECT LOCATION! Great opportunity as a first home or investment. Low condo fees which include water & sewage. The unit is on the first floor. Brand new LVP flooring. Easy access to JTB, shopping, restaurants and short drive to the beach. The tenant is on month to month and willing to stay. The community pool is going through a major renovation.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.28% · 30yr$761
Property taxesest. at asking price, Duval County$227
HOAbilled monthly$290
Estimated total, before insurance$1,278/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,497/yr · $208/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$139,000
$27,800
Loan Term
Monthly Payment
$761
Principal & Interest: $761
Property taxes (est.): $227
Insurance (est.): $93
Estimated Total Monthly
$1,081
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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.

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: ~1,763 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,497/yr

Estimated taxes if purchased at asking price: ~$2,700/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

  • Oct 1, 2026Pending$139,000
  • Sep 16, 2026Price change$139,000−$5,900
  • Sep 3, 2026Listed$144,900

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

Features

Price$139,000
Price / Sq Ft$157
Bedrooms1
Bathrooms1.00
Full Baths1
Square Footage885
Year Built2002
TypeResidential
Sub-TypeCondominium
StatusPending
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address13810 Sutton Park Drive N 1415, Jacksonville, FL 32224
Area026-Intracoastal West-South Of Beach Blvd
SubdivisionThe Grand Reserve
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Parcel Number1677342735
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management- On Site, Playground, Spa/Hot Tub, Tennis Court(s), Water
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Assigned
ViewTrees/Woods

Interior

Interior FeaturesOpen Floorplan
AppliancesDishwasher, Dryer, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsThree Or More
LaundryIn Unit
SecuritySecurity Gate
Spa FeaturesCommunity

Exterior

RoofShingle
Other StructuresTennis Court(s)
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 3, 2026
Days on Market28
HOA Fees$289.9 / Monthly
HOA FrequencyMonthly
HOA NameTHE GRAND RESERVE
HOA Fee IncludesMaintenance Grounds, Maintenance Structure, Sewer, Water
Tax Amount$2,496.65
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LA ROSA REALTY NORTH FLORIDA, 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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