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This home is in Pirates Wood, Yulee — a home near Yulee High School.

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Sold

Sold·Closed Nov 18, 2025·58 days on market·Recent sales in Pirates Wood·Pirates Wood

97604 Pirates Way

Yulee, FL 32097

$534,000sold priceListed at $559,500 · 95.4% of asking$471/sqftMLS# 2103488

Beds

Baths

1,134

Sq Ft

2002

Built

Garage

Pool

6 more homes for sale in Pirates Wood →Search Pirates Wood on the map

HOA $42/mo1.31 acresWaterfrontSingle Family Residence1 story

About this home

Pirates Wood

This unique waterfront property is a fabulous opportunity for boaters, anglers and outdoor adventurers to own 1.31 acres with tidal access to the St Marys River, Amelia River/ICW and the Atlantic Ocean - right from your backyard. Set on one of the largest parcels in the neighborhood with approximately 200 feet of waterfront, this property boasts priceless unobstructed southerly long-range panoramic marsh and water views. The interior of the home is full of potential to expand the footprint and create a wall of windows to frame the natural beauty. The living area has an open floor plan, cork floors and a vaulted ceiling. Each bedroom has its own ensuite bathroom. The kitchen is equipped with a propane-fueled gas range. The outdoor potential is just as exciting - design your dream entertaining space, expand the screen porch and paved patio and fully embrace the tranquility this property offers. Listed below market value, schedule your showing now to see the opportunities!

Next steps in Pirates Wood

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$2,935

Property taxesest. at asking price, Nassau County$737

HOAbilled semi-annually$42

Estimated total, before insurance$3,713/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,956/yr · $246/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).

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: Metal — year not disclosed (home built 2002)

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

Solar potential: ~1,604 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
Main Beach Park
about 5 mi · 105 parking spaces
Closest park or preserve
Egans Creek Greenway
27 min drive · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marina
about 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dock
about 5 mi · Egan's Creek
Closest grocery store
Publix
11 min drive · 463855 State Road 200, Yulee

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,956/yr

Estimated taxes if purchased at asking price: ~$8,800/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.

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 $226/sq ft; this home is listed at $493/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
97089 Pirates Way, Yulee, FL 32097Listed by KELLER WILLIAMS JACKSONVILLE	May 2025	$290,000	$199	3/2	1,456	47	0.5
96497 Blackrock Road, Yulee, FL 32097Listed by KELLER WILLIAMS ST JOHNS	Sep 2026	$272,200	$272	2/1	1,001	30	1
97213 Amy Drive, Yulee, FL 32097Listed by LPT REALTY LLC	Sep 2025	$199,900	$149	3/2	1,344	171	1
87122 Villa Lane, Yulee, FL 32097Listed by WATSON REALTY CORP	Aug 2026	$335,000	$243	3/2	1,378	84	1.4
87430 Haven Road, Yulee, FL 32097Listed by FLORIDA HOMES REALTY & MTG LLC	Sep 2026	$255,000	$190	3/2	1,344	82	2
94055 Last Lane, Yulee, FL 32097Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA	Nov 2025	$320,000	$226	3/2	1,415	58	2.2

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$559,500

Price / Sq Ft$493

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,134

Acres1.31 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StatusClosed

# of Garages1

Has PoolNo

Is WaterfrontYes

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address97604 Pirates Way, Yulee, FL 32097

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionPirates Wood

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size57,063.6 sq ft

Parcel Number433N28509D00500000

ZoningSingle Family

Amenities

AmenitiesPool, Other, Boat Launch, Playground

Community FeaturesFishing

UtilitiesElectricity Connected, Propane

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

ViewCreek/Stream, River, Water

Waterfront TypeCanal Front, Creek, Marsh, Navigable Water, Ocean Access, River Access

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesGas Range, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Garage

Exterior

Exterior FeaturesDock

Lot DescriptionOther

Patio / PorchCovered, Deck, Front Porch, Patio, Rear Porch, Screened, Side Porch

FencingOther

RoofMetal

ConstructionFiber Cement

Road SurfaceAsphalt, Paved

Road FrontagePrivate Road

Additional Information

Date ListedOctober 9, 2025

Days on Market58

HOA Fees$250 / Semi-Annually

HOA FrequencySemi-Annually

HOA NamePirates Wood Homeowners Association

HOA Fee IncludesOther

Tax Amount$2,955.67

Tax Year2025

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Sold by: JOHN WOLFEL REAL ESTATE LLC (buyer's brokerage)

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 Wood

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

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