10961 Burnt Mill Road #1317, Jacksonville, FL 32256
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 19, 2026, 10961 BURNT MILL Road #1317 in Reserve At James Island Lc, Jacksonville is listed at $235,000 (1,355 sq ft, about $173 per sq ft). It came to market within the past week. Listing facts: built in 2001, HOA dues of $549/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2001 · 25 yrs
- 1,355 sq ft of living area
- Listed at $235,000 — recent neighborhood median sale price ~$193,580 (nearby sales; deemed reliable, not an appraisal)
- New to market
- HOA $549/mo (per listing)
About this home
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, smart lighting switches with numerous recessed lights added throughout, fresh paint, stylish ceiling fans, and more.
Building is adjacent to abundant green space. The Reserve at James Island features resort-style amenities which include a clubhouse with on-site management, pool, fitness center, gym, basketball court and a car wash. Prime location with easy access to The Block Jax, I-95, Jacksonville beaches, St.
Johns Town Center, The Avenues Mall, area medical facilities, and all that Jacksonville has to offer.
All 71 photos
Description provided by KELLER WILLIAMS ST JOHNS and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $1,302/mo 58%
- Taxes $275/mo 12%
- Insurance $103/mo 5%
- HOA $549/mo 25%
$2,229/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Duval County Property Appraiser 2025 final millage chart; Duval County School Board FY2025-26 adopted millage. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 10961 Burnt Mill Road #1317
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $775/yr (certified county roll, taxable value × millage). Buy at the asking price of $235,000 and the first-year bill resets to about $3,300/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 17.86 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $549/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Duval County is $1,315/yr (2,001 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,000/yr; neither is a quote. |
| Roof and age | Built in 2001. An original roof would be about 25 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $934/month (tax $275, HOA $549, insurance $110). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Duval County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Duval County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Reserve At James Island Lc market
How this home is priced against recent nearby sales, and where Reserve At James Island Lc has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 2001BuiltPer public record
- About Oct 2026Listed (per MLS)MLS reports 3 cumulative days on market as of October 19, 2026
- Oct 20, 2026First seen on movewithmomentum.comObserved at $235,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in Reserve At James Island Lc in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $193,580 ($150/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 1272.0 months of supply in the surrounding market and 3 days on market for this home, against a 62-day area median.Days on market:this home 3Area median: 62 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 19, 2026.
🟡 Asking $173 per square foot, about 15% above the community’s $150 median. Reserve At James Island Lc’s 12-month median sold price per square foot is $150. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by KELLER WILLIAMS ST JOHNS · MLS # 2169973
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Similar homes for sale near Reserve At James Island Lc
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Reserve At James Island Lc
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- 4629 Merrimac Avenue · $225,000 · 3 bd / 2.0 ba · listed October 19, 2026 (courtesy of LA ROSA REALTY NORTH FLORIDA, LLC.)
- 9536 N Glenn Abbey Way · $369,000 · 3 bd / 2.0 ba · listed October 19, 2026 (courtesy of FLORIDA HOMES REALTY & MTG LLC)
- 8565 Echoridge Court · $340,000 · 3 bd / 2.0 ba · listed October 19, 2026 (courtesy of WATSON REALTY CORP)
- 730 Redfin Drive · $689,000 · 2 bd / 2.0 ba · listed October 19, 2026 (courtesy of FLORIDA HOMES REALTY & MTG LLC)
Every home on Burnt Mill Road: what is for sale, what sold and when, the homes and the communities along it.
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More on Duval County
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Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Duval County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 10961 BURNT MILL Road #1317, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2001 (25 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Duval County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 1,355 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $3,300/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,525 more per year than the current owner’s estimated bill (+326%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: October 19, 2026) |
| Comparable sales | realMLS closed sales in Reserve At James Island Lc, last 18 months, as of October 19, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 10961 BURNT MILL Road #1317 and when was it built?
Per the listing record, 10961 BURNT MILL Road #1317 was built in 2001 and has 1,355 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 10961 BURNT MILL Road #1317 in?
10961 BURNT MILL Road #1317 is in Reserve At James Island Lc in Jacksonville, Duval County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 10961 BURNT MILL Road #1317 have an HOA, and how much are the dues?
The listing reports HOA dues of $549 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 10961 BURNT MILL Road #1317 differ from the current owner's?
The estimate on this page (about $3,300 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,525 more per year than the current owner’s estimated bill (+326%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 10961 BURNT MILL Road #1317 in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 10961 BURNT MILL Road #1317 in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
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No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.