This home is in Reserve at James Island, Jacksonville — a gated community home in Jacksonville.
Active·1 day on market·Reserve at James Island
10961 Burnt Mill Road 1317
Jacksonville, FL 32256
18 more homes for sale in Reserve at James Island →Search Reserve at James Island on the map
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) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Reserve at James Island
Rare opportunity! 3 bedroom, 2 bath ground level meticulously maintained condo in the heart of The Reserve at James Island with no steps for grocery and shopping trips, or for you and your pets! Open living area with tons of natural light provides ease of entertaining and easy access out to your end unit terrace area, complete with exterior storage. Upgraded stainless steel appliances, plentiful counterspace, and breakfast bar highlight the light and bright kitchen, which opens into a cozy dining nook. Adjacent laundry room with storage. Two spacious secondary bedrooms, one with walk-in closet, provide comfort for guests, convenience of a home office, and more. The hall bath is centrally located to each bedroom. Retreat to the owners suite at the end of the hallway, featuring a walk-in closet and ensuite bath with dual sink vanity, extra storage, and neutral tile shower and tub surround. Other updates include BRAND NEW carpet in bedrooms, luxury vinyl plank in main areas
Next steps in Reserve at James Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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.
Solar potential: ~1,765 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 homeAs of October 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
16th Ave S19 min drive · 28 parking spaces
Closest park or preserve
Julington-Durbin Preserve16 min drive · 6.4 mi of trails
Closest public boat ramp
Pottsburg Creek Public Boat Rampabout 4 mi · Pottsburg Creek
Closest kayak & paddleboard launch
Alejandro Garces Camp Tomahawk Park Paddlecraft Accessabout 5 mi · Goodby's Creek
Closest youth league fields
Brooks Family YMCA7 min drive · Basketball, Football, Soccer, Volleyball
Closest grocery store
Costco7 min drive · 4901 Gate Pkwy, Jacksonville
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): $965/yr
Estimated taxes if purchased at asking price: ~$4,600/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.
History
Price & status history
- Oct 19, 2026Listed$235,000
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 $176/sq ft; this home is listed at $173/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 10961 Burnt Mill Road 414, Jacksonville, FL 32256Listed by HOUWZER, INC. | Oct 2026 | $237,000 | $202 | 2/2 | 1,171 | 34 | 0.1 |
| 7490 Scarlet Ibis Lane, Jacksonville, FL 32256Listed by CHAD AND SANDY REAL ESTATE GROUP | Oct 2026 | $302,000 | $180 | 3/2.5 | 1,682 | 84 | 0.3 |
| 7800 Point Meadows Drive 413, Jacksonville, FL 32256Listed by WATSON REALTY CORP | Sep 2026 | $226,000 | $176 | 2/2 | 1,281 | 17 | 0.8 |
| 7800 Point Meadows Drive 134, Jacksonville, FL 32256Listed by RIVERPOINT REAL ESTATE | Sep 2026 | $167,500 | $137 | 2/2 | 1,219 | 11 | 0.8 |
| 7801 Point Meadows Drive 7308, Jacksonville, FL 32256Listed by THE THAYVER GROUP | Oct 2026 | $193,000 | $155 | 3/2 | 1,247 | 104 | 0.9 |
| 7800 Point Meadows Drive 126, Jacksonville, FL 32256Listed by WATSON REALTY CORP | Oct 2026 | $170,000 | $139 | 2/2 | 1,219 | 92 | 0.9 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
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 →Keep looking
More homes in Reserve at James Island
For Sale10961 Burnt Mill Road 1621Jacksonville, FL 32256
3 bd · 2 ba · 1,355 sq ft
$244,000Est. $1,299/mo*NOT your average condo! Rare lakefront 3/2 END UNIT w/ GARAGE in the Reserve at James Island has nearly $25k in recent…
Listing Office: davidson realty, inc.
For Sale10961 Burnt Mill Road 1325Jacksonville, FL 32256
2 bd · 2 ba · 1,171 sq ft
$224,900Est. $1,197/moMove-in ready 2BR/2BA end unit condo in the gated community of The Reserve at James Island! This second-floor home has…
Listing Office: coldwell banker vanguard realty
For Sale10961 Burnt Mill Road 423Jacksonville, FL 32256
2 bd · 2 ba · 1,283 sq ft
$220,000Est. $1,171/moWelcome to the Reserve at James Island, a gated community offering resort-style amenities in one beautifully updated…
Listing Office: exp realty llc
For Sale10961 Burnt Mill Road 328Jacksonville, FL 32256
2 bd · 2 ba · 1,192 sq ft
$210,000Est. $1,118/moMOVE IN READY CONDO IN THE GATED RESERVE AT JAMES ISLAND. With abundant natural light, and an open floor plan, the end…
Listing Office: select realty llc
Keep looking
Similar homes in Jacksonville
Explore the area
More in Reserve at James Island
Reserve at James Island guides & reports
Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines