David Ramirez
Short-Term Rental Eligible
$159,000$175,0002 bd2 ba1,138 sqft$140 /sqft$1,410 /mo all-in ↓

13810 SUTTON PARK DRIVE N UNIT 738, JACKSONVILLE, FL, 32224

Active56 days on marketListed Jun 11, 2026MLS #TB8516551

Priced 38% below the JACKSONVILLE 32224 medianReduced $16KCondominiumGRAND RESERVE CONDO

About this home

13810 SUTTON PARK DRIVE N UNIT 738

Welcome to your dream condo at the Grand Reserve! This beautiful 2BR/2BA third floor unit offers serene wooded and golf course views spanning from the living room and both bedrooms. This condo offers two comfortable bedroom suites, with the primary having its own walk-in closet, plus an indoor laundry room. The tall vaulted ceilings add to the open floor plan with no neighbors living above you. This unit also has a 1st floor personal storage unit to store all your toys and comes with 2 personal parking spaces. Newer AC (11/22) This gated community offers resort-style amenities, including sparkling pool & hot tub overlooking the lake, fitness center, clubhouse, tennis, basketball and sand volleyball courts, covered picnic areas with grills and a play area. Short walk to the amenity center, clubhouse & mailboxes with plenty of guest parking. The low HOA also includes water, sewer, trash, exterior insurance and landscaping. Perfect location within walking distance to Windsor Parke Golf Club located just across the street. With a full 18 hole golf course and designated driving range, close to shopping and dining , Jacksonville's beautiful beaches, St. Johns Town Center, University of North Florida, and the Mayo Clinic. Don't hesitate to reach out and schedule your showing today!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,138

Sqft

0 ac

Lot size

1997

Year built

One

Levels

$140

Per sqft

Golf Course & Trees/Woods viewNegotiable

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Heat Pump
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
ViewGolf Course · Trees/Woods
FacesEast
ParkingAssigned · Deeded · Guest
ExteriorBasketball Court · Courtyard · Lighting · Outdoor Grill · Playground · Storage · Tennis Court(s)

Community & fees

HOA fee$20/mo
Taxes (2025)$2,679/yr
PetsBreed Restrictions
CommunityLake · Clubhouse · Community Mailbox · Fitness Center · Gated Community - No Guard · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Natural Gas Available · Street Lights · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$1,410 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$936
FHA mortgage insurance (est.)$70
Property tax — 2025 actual bill$223
Condo fee — from the listing$20
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $5,565Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $5,565
Interest rate6.00%
Loan term

Estimated payment

$1,410/mo

Principal & interest$936
FHA mortgage insurance (est.)$70
Property taxes (actual bill)$223
HOA / condo fee$20
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $159K
$140KedgeAI estimate $177,103 · range $146K$241K$251K

vs edgeAI estimate

−10.2%

$/sqft vs Jacksonville actives

$140 vs $175

Days on market

56 vs 48 typical

Where $140/sqft sits among the 138 Jacksonville actives

17
15 · this home
33
33
18
22
$99–123$123–147$147–171$171–195$195–220$220+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

The investor lens

Two ways this home pays

This home sits inside Grand Reserve, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.

Short-term rental

Zoned & eligible

Nightly rentalsAllowed
CommunityGrand Reserve
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$1,325/mo median

MarketJacksonville
Annual gross at median$15,900
Gross yield on this price10.0%
Homes for rent right now27

Live Jacksonville rental listing data — this home’s rate depends on size, condition and furnishing.

The Palm Coast short-term market

▼ Softening

42%

Occupancy

▼ 26% yr/yr

$319

Avg nightly rate

▲ 6% yr/yr

$32K/yr

Revenue per listing

$140

RevPAR

55 days

Booking lead time

5.7 nights

Avg stay

5

Typical min nights

733

Active rentals

▲ 2% supply

Seasonality — monthly occupancy

Peaks at 56% in Mar · bottoms at 33% in Sep

37%
49%
56%
46%
41%
39%
53%
41%
33%
34%
34%
39%
JanFebMarAprMayJunJulAugSepOctNovDec

Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Palm Coast — the projection above is specific to this home’s size.

Where it sits

Inside South Hodges

Map of 13810 SUTTON PARK DRIVE N UNIT 738 inside its neighborhood boundary

Grand Reserve is a short-term-rental community. See the full guide →

South Hodges — neighborhood snapshot

Population

8,110

Median age

45

Median income

$95,183

Median home value

$314,751

Avg household

2

Households w/ children

1,016

For the school run

Duval County School District

ElementaryChet's Creek Elementary School★★★★
MiddleKernan Middle School★★★★★
HighAtlantic Coast High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Jacksonville market

Seller’s marketLeans seller3.4 months of inventoryBuyer’s market

$330K$309K

Jacksonville median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

64 of 138

Jacksonville actives have cut their price

Median sold price, Jacksonville, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 38% below the JACKSONVILLE 32224 median. See the full Jacksonville market guide →

Paper trail

This home's history

CurrentPrice reduced to $159,000 $16K
Jun 11, 2026Listed at $175,000 · 56 days on market since
1997Built · GRAND RESERVE CONDO

Reality check

What actually sold near 13810 SUTTON PARK DRIVE N UNIT 738

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

13700 RICHMOND PARK DRIVE N UNIT 205Sold · Jan ’26

$225,000

13700 RICHMOND PARK DRIVE N UNIT 205

2 bd · 2 ba · 1,229 sqft · $183/sqft · 47 DOM

4392 ASHFIELD DRIVESold · Dec ’25

$437,000

4392 ASHFIELD DRIVE

3 bd · 2 ba · 1,709 sqft · $256/sqft · 0 DOM

5958 TIMBER PINES ROADSold · May ’26

$681,890

5958 TIMBER PINES ROAD

3 bd · 2 ba · 2,373 sqft · $287/sqft · 0 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 13810 SUTTON PARK DRIVE N UNIT 738 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13810 SUTTON PARK DRIVE N UNIT 738 — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

13810 SUTTON PARK DRIVE N UNIT 738 FAQs

What would the monthly payment be for 13810 SUTTON PARK DRIVE N UNIT 738?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,410/mo — principal and interest, the actual property-tax bill, the $20/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 13810 SUTTON PARK DRIVE N UNIT 738?+

The association fee works out to $20 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 13810 SUTTON PARK DRIVE N UNIT 738?+

The most recent tax bill on record (2025) was $2,679. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 13810 SUTTON PARK DRIVE N UNIT 738 be rented short-term?+

Yes — this home sits inside Grand Reserve, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.

Are pets allowed at 13810 SUTTON PARK DRIVE N UNIT 738?+

The listing reports pets: Breed Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Jacksonville?+

At $159,000, this home is listed about 46% below the Jacksonville median of $295,514. The market section on this page shows how the area is trending.

Which schools are assigned to 13810 SUTTON PARK DRIVE N UNIT 738?+

Chet's Creek Elementary School (elementary), Kernan Middle School (middle), Atlantic Coast High School (high) — Duval County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Under the JACKSONVILLE 32224 market on paper

$159,000 is 38% below the JACKSONVILLE 32224 median of $254,900, and at $140/sqft it sits under the Jacksonville average of $175.

02Zoned for nightly rentals

Grand Reserve is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.

03Golf Course & Trees/Woods views

The golf course and trees/woods view is part of what you're buying — views hold value independently of the structure.

04Strong assigned schools

Chet's Creek Elementary School, Kernan Middle School, Atlantic Coast High School — Chet's Creek Elementary School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $175,000, now $159,000 — a $16K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Tina Pryor. MLS #TB8516551.

IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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