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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 Nassau Crossing, Yulee — a home near Yulee High School.

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Sold

Sold·Closed Jan 16, 2025·43 days on market·Recent sales in Nassau Crossing·Nassau Crossing

86189 Mainline Road

Yulee, FL 32097

$399,000sold priceListed at $399,000 · 100% of asking$182/sqftMLS# 2054704
4
Beds
2.5
Baths
2,198
Sq Ft
2021
Built
2
Garage
No
Pool

8 more homes for sale in Nassau Crossing →Search Nassau Crossing on the map

HOA $49/mo4,792 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Nassau Crossing

NO CDD, LOW HOA!! Welcome to your new home in the desirable Nassau Crossing Community that has convenient access to I-95, pristine beaches of Amelia Island and expansive shopping and dining in Yulee and Wildlight! This two-story home features 4 spacious bedrooms and 2.5 baths, ideal for comfortable family living. As you step inside, you'll be greeted by sleek tile flooring throughout the main level, setting the tone for this modern open concept layout. The heart of the home is the chef-inspired kitchen, complete with a large kitchen island, granite countertops, gas stove, large farm sink with updated faucet and ample storage space--perfect for entertaining and daily family gatherings. Step outside and enjoy serene pond views from your fenced-in backyard or take a quick stroll down the neighborhood walking/bike path to the local park. Don't miss the chance to own this beautiful home with all the modern comforts in a family friendly community.

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$2,210
Property taxesest. at asking price, Nassau County$551
HOAbilled annually$49
Estimated total, before insurance$2,810/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$399,000
$79,800
Loan Term
Monthly Payment
$2,210
Principal & Interest: $2,210
Property taxes (est.): $551
Insurance (est.): $266
Estimated Total Monthly
$3,027
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2021)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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

2023 property taxes (current owner): $3,617/yr

Estimated taxes if purchased at asking price: ~$6,600/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 435 current Nassau 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

  • Nov 1, 2024Listed$399,000

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 $179/sq ft; this home is listed at $182/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
86237 Mainline Road, Yulee, FL 32097Listed by EXP REALTY LLCSep 2026$370,000$1684/2.52,198100
86607 Nassau Crossing Way, Yulee, FL 32097Listed by SUMMER HOUSE REALTYAug 2026$330,000$1784/21,856360.1
86221 Express Court, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$365,000$2144/21,70560.2
86451 Nassau Crossing Way, Yulee, FL 32097Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEAug 2026$355,000$1914/21,856900.2
86209 Vegas Boulevard, Yulee, FL 32097Listed by HOVER GIRL PROPERTIESSep 2026$225,000$1333/21,69410.6
86154 Vegas Boulevard, Yulee, FL 32097Listed by WATSON REALTY CORPAug 2026$398,000$1793/22,228230.6

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$399,000
Price / Sq Ft$182
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,198
Acres0.11 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Pool FeaturesNone
Is WaterfrontYes

School Information

ElementaryWildlight
MiddleYulee
HighYulee

Community Information

Address86189 Mainline Road, Yulee, FL 32097
Area481-Nassau County-Yulee South
SubdivisionNassau Crossing
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size4,791.6 sq ft
Parcel Number422N27109000660000

Amenities

AmenitiesDog Park, Playground
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryUpper Level

Exterior

FencingBack Yard
RoofShingle

Additional Information

Date ListedNovember 1, 2024
Days on Market43
HOA Fees$590 / Annually
HOA FrequencyAnnually
Tax Amount$3,617.38
Tax Year2023
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 Nassau Crossing

Nassau Crossing is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jan 16, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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