This home is in Pirates Bluff, Yulee.
Active·467 days on market·Pirates Bluff
96040 Pirates Bluff Road
Yulee, FL 32097
2 more homes for sale in Pirates Bluff →Search Pirates Bluff on the map
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About this home
Pirates Bluff
Take advantage of this Builder's incentive: FHA/VA Fixed 5.49% | Conv- 7.6% ARM 4.99% ©Jet HomeLoans Valid when closed by September, contact agent with additional questions or review full disclosure in attachments! Welcome to 96040 Pirates Bluff Rd in Yulee, FL. The Avalon II plan offers 5 bedrooms, 4 baths, and a versatile en-suite on the 2nd floor perfect for the in-laws or teenager. Approximately 2900 square feet of thoughtfully designed living space. This two story home features downstairs primary suite, gourmet kitchen includes a mix of 42'' white and admiral cabinets, quartz countertops, a tile backsplash, 36'' cook-top 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.
Next steps in Pirates Bluff
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, 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
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 homeAs of July 2026, 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
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:28 AM, sunset 6:56 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $125,000 | $125,000 | — |
| 2024 | $23,952 | $23,952 | — |
Estimated taxes if purchased at asking price: ~$9,900/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.
History
Price & status history
- Jul 3, 2025Listed$599,990
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 $180/sq ft; this home is listed at $207/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Sep 2026 | $569,990 | $205 | 6/4 | 2,782 | 383 | 0 |
| 96160 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $599,990 | $180 | 5/4 | 3,327 | 341 | 0 |
| 96136 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jul 2026 | $589,900 | $177 | 5/4 | 3,327 | 258 | 0 |
| 96266 Dowling Drive, Yulee, FL 32097Listed by SUMMER HOUSE REALTY | Jul 2026 | $1,310,000 | $355 | 6/5 | 3,687 | 5 | 0.3 |
| 97500 Albatross Drive, Yulee, FL 32097Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Jul 2026 | $335,000 | $129 | 5/3 | 2,595 | 80 | 0.6 |
| 83029 Dowitcher Place, Yulee, FL 32097Listed by EXP REALTY LLC | Jun 2026 | $560,000 | $174 | 5/4 | 3,217 | 79 | 0.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
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.
The neighborhood
About Pirates Bluff
Pirates Bluff is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.
View all Pirates Bluff homes for sale →Keep looking
More homes in Pirates Bluff
For Sale96100 Pirates Bluff RoadYulee, FL 32097
5 bd · 4 ba · 3,338 sq ft
$599,990Est. $3,193/moTake advantage of this Builder's incentive: FHA/VA Fixed 5.49% | Conv- 7.6% ARM 4.99% ©Jet HomeLoans Valid when closed…
Listing Office: berkshire hathaway home services heymann williams
For Sale96148 Pirates Bluff RoadYulee, FL 32097
5 bd · 4 ba · 3,338 sq ft
$619,990Est. $3,300/moTake advantage of this Builder's incentive: FHA/VA Fixed 5.49% | Conv- 7.6% ARM 4.99% ©Jet HomeLoans Valid when closed…
Listing Office: berkshire hathaway home services heymann williams
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines