This home is in Pirates Bluff, Yulee.
Sold·Closed Aug 21, 2026·341 days on market·Recent sales in Pirates Bluff·Pirates Bluff
96160 Pirates Bluff Road
Yulee, FL 32097
3 more homes for sale in Pirates Bluff →Search Pirates Bluff on the map
About this home
Pirates Bluff
Take advantage of this Builder's incentive: Adjustable 4.99% ©Jet HomeLoans Valid when closed by September contact agent with additional questions or review full disclosure in attachments! The Rosewood is a spacious two-story home offering 2,845 square feet of thoughtfully designed living space. With six bedrooms and four bathrooms, it comfortably accommodates larger households and overnight guests. The main level features an open-concept design, seamlessly connecting the kitchen, dining, and living areas--perfect for both everyday living and entertaining. Modern finishes and quality craftsmanship enhance the home's style and functionality throughout. A 2-car garage provides generous parking and storage, making the Rosewood an ideal blend of comfort, convenience, and contemporary design. 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: material not specified — year not disclosed (home built 2025)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $125,000 | $125,000 | — |
| 2024 | $23,952 | $23,952 | — |
2024 property taxes (current owner): $374/yr
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
- Aug 21, 2026Closed$599,990
- Aug 12, 2026Pending$599,990
- Sep 6, 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 $207/sq ft; this home is listed at $180/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 |
| 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 |
| 96064 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jun 2026 | $600,000 | $207 | 5/4 | 2,900 | 221 | 0 |
| 96266 Dowling Drive, Yulee, FL 32097Listed by SUMMER HOUSE REALTY | Jul 2026 | $1,310,000 | $355 | 6/5 | 3,687 | 5 | 0.3 |
| 96056 Dowling Drive, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | May 2025 | $635,000 | $192 | 4/4 | 3,315 | 88 | 0.4 |
| 95010 Pacific Isle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUP | Jul 2026 | $1,498,000 | $386 | 5/3.5 | 3,885 | 25 | 0.6 |
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
Community Information
Amenities
Interior
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 Sale96040 Pirates Bluff RoadYulee, FL 32097
5 bd · 4 ba · 2,900 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 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
This home sold on Aug 21, 2026. 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines