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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 — a home near Yulee High School.

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Sold

Sold·Closed Sep 5, 2025·53 days on market·Recent sales in Yulee

96428 Chester Road

Yulee, FL 32097

$448,500sold priceListed at $469,900 · 95.4% of asking$224/sqftMLS# 2088951
3
Beds
2
Baths
1,998
Sq Ft
1999
Built
2
Garage
No
Pool
No HOA1.23 acresSingle Family Residence1 story

About this home

Yulee

Bring your boat, RV, and the rest of your toys! NO HOA OR CDD! Come and see this beautiful, well-maintained home on 1.23 acres in the heart of Yulee. Enjoy homegrown oranges, peaches, grapes, and figs from your established fruit trees. Relax with a cold beverage while you gaze upon your expansive back yard from the large screened lanai. Tinker to your heart's delight in the workshop with electricity. NEW ROOF in 2022, new interior paint throughout in 2025, and NO CARPET! Like new wood laminate flooring in main living area, dining room, and bedrooms, and stylish tile in kitchen and bathrooms. Centrally located near shopping and entertainment (just 2 miles to Publix, restaurants, and the AMC Yulee theater), just minutes from Amelia Island's beaches, and a short drive to Kings Bay Naval Base. Properties like this one don't come around very often, so don't dilly dally and miss out on this gem!

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$2,484
Property taxesest. at asking price, Nassau County$619
Estimated total, before insurance$3,103/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,449/yr · $204/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

$448,500
$89,700
Loan Term
Monthly Payment
$2,484
Principal & Interest: $2,484
Property taxes (est.): $619
Insurance (est.): $299
Estimated Total Monthly
$3,402
*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 — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,535 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $2,449/yr

Estimated taxes if purchased at asking price: ~$7,400/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

  • May 22, 2025Listed$469,900

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 $240/sq ft; this home is listed at $235/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
96235 Sweetbriar Lane, Yulee, FL 32097Listed by COMPASS FLORIDA LLCJul 2026$510,000$2404/22,127630.3
96069 Breezeway Court, Yulee, FL 32097Listed by REDFIN CORPORATIONSep 2026$550,000$2214/32,494360.5
96535 Granite Trail, Yulee, FL 32097Listed by FERNANDINA BEACH REALTYJun 2026$479,000$2783/21,722600.7
96891 McGirts Creek, Yulee, FL 32097Listed by DREES REALTYJan 2026$582,990$2434/32,403770.7
87043 Chesapeake Avenue, Yulee, FL 32097Listed by ENTERA REALTY LLCAug 2026$319,900$2104/21,520510.9
87061 Farnsworth Lane, Yulee, FL 32097Listed by ENTERA REALTY LLCAug 2026$319,900$2104/21,5201110.9

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

Price$469,900
Price / Sq Ft$235
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,998
Acres1.23 acres
Year Built1999
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address96428 Chester Road, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionChester Road
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size53,578.8 sq ft
Parcel Number443N28507R00160000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Available, Water Available
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAdditional Parking

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchCovered, Rear Porch, Screened
RoofShingle
ConstructionFrame, Wood Siding
Other StructuresShed(s), Workshop
Road SurfacePaved

Additional Information

Date ListedMay 22, 2025
Days on Market53
Tax Amount$2,448.64
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FERNANDINA BEACH REALTY

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 Sep 5, 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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