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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 Pirates Bluff, Yulee.

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Sold

Sold·Closed Jul 6, 2026·258 days on market·Recent sales in Pirates Bluff·Pirates Bluff

96136 Pirates Bluff Road

Yulee, FL 32097

$589,900sold priceListed at $589,990 · 100% of asking$177/sqftMLS# 2107580
5
Beds
4
Baths
3,327
Sq Ft
2025
Built
2
Garage
No
Pool

3 more homes for sale in Pirates Bluff →Search Pirates Bluff on the map

HOA $83/moSingle Family Residence2 storiesNew construction

About this home

Pirates Bluff

Take advantage of this Builder's incentive: Fixed Rate 4.99% ©Jet HomeLoans Valid thru April 30th 2026, contact agent with additional questions or review full disclosure in attachments! The Rosewood home plan is a spacious and versatile two-story residence, offering 3,327 square feet of meticulously designed living space. Featuring six well-appointed bedrooms and four bathrooms, this home accommodates large families and guests with ease. The open-concept layout on the main floor seamlessly integrates the kitchen, dining, and living areas, creating a welcoming environment for gatherings and daily activities. Modern design touches and high-quality finishes throughout enhance both the aesthetic appeal and functionality of the home. Located in Pirates Bluff, a peaceful community close to top schools, shopping, andnd just a short drive to Amelia Island beaches and I-95.

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$3,267
Property taxesest. at asking price, Nassau County$814
HOAbilled annually$83
Estimated total, before insurance$4,165/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$589,900
$117,980
Loan Term
Monthly Payment
$3,267
Principal & Interest: $3,267
Property taxes (est.): $814
Insurance (est.): $393
Estimated Total Monthly
$4,475
*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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$125,000$125,000—
2024$23,952$23,952—

2024 property taxes (current owner): $374/yr

Estimated taxes if purchased at asking price: ~$9,800/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 (2025), 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 $207/sq ft; this home is listed at $177/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$569,990$2056/42,7823830
96160 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSAug 2026$599,990$1805/43,3273410
96064 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSJun 2026$600,000$2075/42,9002210
96266 Dowling Drive, Yulee, FL 32097Listed by SUMMER HOUSE REALTYJul 2026$1,310,000$3556/53,68750.3
96056 Dowling Drive, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSMay 2025$635,000$1924/43,315880.4
95010 Pacific Isle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUPJul 2026$1,498,000$3865/3.53,885250.6

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

Price$589,990
Price / Sq Ft$177
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,327
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address96136 Pirates Bluff Road, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionPirates Bluff
CityYulee
CountyNassau
StateFL
Zip Code32097
Parcel Number383N28081000090000

Amenities

UtilitiesOther
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave
HeatingCentral
CoolingCentral Air
# of Stories2

Additional Information

Date ListedSeptember 6, 2025
Days on Market258
HOA Fees$1,000 / Annually
HOA FrequencyAnnually
Tax Amount$374.32
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

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.

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 6, 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.

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20+ years · 500+ closings · NE Florida

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