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

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Active·Listed today·Reserve at James Island

10961 Burnt Mill Road 1528

Jacksonville, FL 32256

$187,900$158/sqftEst. $1,041/mo mortgageMLS# 2169964
2
Beds
2
Baths
1,192
Sq Ft
2001
Built
—
Garage
No
Pool

19 more homes for sale in Reserve at James Island →Search Reserve at James Island on the map

HOA $330/mo871 sqft lotCondominium1 story

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About this home

Reserve at James Island

Welcome to this 2-bedroom, 2-bath condo featuring the desirable Villa Milano floor plan and lovely lake and fountain views from most rooms. Enjoy 9-foot ceilings, crown molding, a well-appointed kitchen, separate dining area, spacious living room, and generously sized bedrooms with walk-in closets. The primary bath offers a relaxing garden tub and walk-in shower, while the convenient laundry room and private balcony with additional storage add to the comfort and functionality of this inviting home. Enjoy resort-style amenities in a gated community featuring Envera security, a clubhouse with organized social gatherings, business center, sparkling outdoor pool with waterfall, outdoor kitchen, fitness center, indoor basketball court, and car wash area. Conveniently located near UNF, IKEA, St. Johns Town Center, fantastic restaurants, shopping, and Jacksonville's beautiful beaches, this condo offers a wonderful combination of comfort, convenience, and community living. A-rated schools ad

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,041
Property taxesest. at asking price, Duval County$307
HOAbilled monthly$330
Estimated total, before insurance$1,677/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,893/yr · $158/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

$187,900
$37,580
Loan Term
Monthly Payment
$1,041
Principal & Interest: $1,041
Property taxes (est.): $307
Insurance (est.): $125
Estimated Total Monthly
$1,473
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,893/yr

Estimated taxes if purchased at asking price: ~$3,700/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 19, 2026Listed$187,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $139/sq ft; this home is listed at $158/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
10961 Burnt Mill Road 414, Jacksonville, FL 32256Listed by HOUWZER, INC.Oct 2026$237,000$2022/21,171340.1
7800 Point Meadows Drive 413, Jacksonville, FL 32256Listed by WATSON REALTY CORPSep 2026$226,000$1762/21,281170.8
7800 Point Meadows Drive 134, Jacksonville, FL 32256Listed by RIVERPOINT REAL ESTATESep 2026$167,500$1372/21,219110.8
7800 Point Meadows Drive 631, Jacksonville, FL 32256Listed by RE/MAX SPECIALISTSOct 2026$158,800$1282/21,2441710.9
7800 Point Meadows Drive 126, Jacksonville, FL 32256Listed by WATSON REALTY CORPOct 2026$170,000$1392/21,219920.9
7800 Point Meadows Drive 1514, Jacksonville, FL 32256Listed by KELLER WILLIAMS ST JOHNSSep 2026$169,000$1392/21,21921

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$187,900
Price / Sq Ft$158
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,192
Acres0.02 acres
Year Built2001
TypeResidential
Sub-TypeCondominium
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address10961 Burnt Mill Road 1528, Jacksonville, FL 32256
Area024-Baymeadows/Deerwood
SubdivisionReserve At James Island Lc
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Lot Size871.2 sq ft
Parcel Number1677413172

Amenities

UtilitiesCable Available
Water SourcePublic
ParkingAdditional Parking, Gated, Parking Lot

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Refrigerator
HeatingCentral, Electric
CoolingCentral Air
# of Stories1
LevelsTwo

Additional Information

Date ListedOctober 19, 2026
Days on Market0
HOA Fees$329.72 / Monthly
HOA FrequencyMonthly
Tax Amount$1,893.22
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.

The neighborhood

About Reserve at James Island

Reserve at James Island is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.

View all Reserve at James Island homes for sale →

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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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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