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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 Yulee.

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Sold

Sold·Closed May 30, 2025·88 days on market·Recent sales in Yulee

96056 Dowling Drive

Yulee, FL 32097

$635,000sold priceListed at $669,000 · 94.9% of asking$192/sqftMLS# 2064639
4
Beds
4
Baths
3,315
Sq Ft
2006
Built
2
Garage
No
Pool
HOA $75/mo1.01 acresSingle Family Residence2 stories

About this home

Yulee

This custom-built 4-bedroom home is a perfect blend of quality craftsmanship and functional space, offering ample room for growing families or those seeking a peaceful retreat. Located just minutes from the beaches of Amelia Island, you'll enjoy outdoor recreation and a vibrant community with something for everyone. Inside, the open-concept layout features 2 dedicated offices for work or study, plus a home theater with hardwired surround sound—perfect for cozy family movie nights. An oversized storage room is just waiting to be transformed into an additional living space, adding even more versatility to this incredible home. The owner's suite is a relaxing sanctuary with dual vanities, a garden tub, and an expansive walk-in closet. The chef's kitchen boasts a gas cooktop, double ovens, a large island, and bar seating, ideal for both entertaining and everyday meals. French doors lead to a spacious screened porch, perfect for enjoying the outdoors in privacy.

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$3,517
Property taxesest. at asking price, Nassau County$877
HOAbilled annually$75
Estimated total, before insurance$4,469/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$9,457/yr · $788/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

$635,000
$127,000
Loan Term
Monthly Payment
$3,517
Principal & Interest: $3,517
Property taxes (est.): $877
Insurance (est.): $423
Estimated Total Monthly
$4,817
*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 2006)

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

Solar potential: ~1,720 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 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

Last sold: $630,000 in January 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$757,609$612,991—
2024$684,873$595,008—
2023$664,629$576,221—
2022$511,040$511,040—
2021$404,799$241,422—
2020$381,158$237,398—

2024 property taxes (current owner): $9,457/yr

Estimated taxes if purchased at asking price: ~$10,500/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 (2025), NEFMLS.

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 $207/sq ft; this home is listed at $202/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
96266 Dowling Drive, Yulee, FL 32097Listed by SUMMER HOUSE REALTYJul 2026$1,310,000$3556/53,68750.2
96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$569,990$2056/42,7823830.4
96160 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSAug 2026$599,990$1805/43,3273410.4
96136 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSJul 2026$589,900$1775/43,3272580.4
96064 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSJun 2026$600,000$2075/42,9002210.4
95010 Pacific Isle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPJul 2026$1,498,000$3865/3.53,885250.6

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$669,000
Price / Sq Ft$202
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage3,315
Total Structure Area4,371 sq ft
Acres1.01 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address96056 Dowling Drive, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionLanceford
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size43,995.6 sq ft
Parcel Number453N28121L00030000

Amenities

UtilitiesElectricity Connected
SewerPrivate Sewer
Water SourceWell
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Central Vacuum, Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDouble Oven, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level

Exterior

Patio / PorchRear Porch, Screened
RoofShingle
ConstructionFiber Cement, Frame

Additional Information

Date ListedJanuary 14, 2025
Days on Market88
HOA Fees$900 / Annually
HOA FrequencyAnnually
Tax Amount$9,457
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS

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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 30, 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.

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20+ years · 500+ closings · NE Florida

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