Active·414 days on market
96100 Pirates Bluff Road
Yulee, FL 32097
About this home
Yulee
Take advantage of this Builder's incentive: Fixed Rate 4.99% ©Jet HomeLoans Valid thru July 31, contact agent with additional questions or review full disclosure in attachments! Welcome to 96100 Pirates Bluff Rd in Yulee, FL--where space, style, and comfort come together. The Fernandina plan offers 5 bedrooms, 4 baths, and a versatile loft across 3,338 square feet of thoughtfully designed living space. This two-story home features a formal dining room and an open layout perfect for both quiet evenings and lively gatherings. The gourmet kitchen includes a mix of 42'' white and admiral cabinets, quartz countertops, a tile backsplash, 36'' cooktop with stainless vent hood, and a wall oven/microwave combo. A large island anchors the space, making it ideal for entertaining. Wood-look tile flooring flows through the main living areas. Located in Pirates Bluff, a peaceful community close to top schools, shopping, and just a short drive to Amelia Island beaches and I-95.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $125,000 | $125,000 | — |
| 2024 | $23,952 | $23,952 | — |
Estimated taxes if purchased at asking price: ~$10,100/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.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2025)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,735 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- May 27, 2025Listed$609,990
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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