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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 Yulee — a home near Yulee High School.

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Sold

Sold·Closed Jun 5, 2026·34 days on market·Recent sales in Yulee

85075 Harts Road

Yulee, FL 32097

$420,000sold priceListed at $485,000 · 86.6% of asking$239/sqftMLS# 2123185
3
Beds
2
Baths
1,757
Sq Ft
1974
Built
—
Garage
No
Pool
No HOA1.44 acresWaterfrontSingle Family Residence1 story

About this home

Yulee

Million Dollar Waterfront View This is a rare opportunity to own a little piece of heaven. This well built, well maintained home sits on 1.44 very private acres. The property has 150 ft waterfront on a tidal creek (Not in a flood zone). 3/2 home with a study, living room and family room, a lighted dock, 2 vehicle carport, workshop and a covered screened patio. There are three RV sites with power and water. As is sale. A home warrantee will be provided with a qualified offer.

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$2,326
Property taxesest. at asking price, Nassau County$580
Estimated total, before insurance$2,906/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$658/yr · $55/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$420,000
$84,000
Loan Term
Monthly Payment
$2,326
Principal & Interest: $2,326
Property taxes (est.): $580
Insurance (est.): $280
Estimated Total Monthly
$3,186
*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.

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 1974)

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

Solar potential: ~1,546 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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

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

YearMarket valueTaxable valueChange
2025$384,787$0—
2024$355,041$0▲ $1,464
2023$332,169$0—
2022$306,295$0—
2021$203,041$0—
2020$197,673$7,551—

2025 property taxes (current owner): $658/yr

Estimated taxes if purchased at asking price: ~$7,000/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 $185/sq ft; this home is listed at $276/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
85285 Lindsey Kay Court, Yulee, FL 32097Listed by MOMENTUM REALTYFeb 2026$258,000$1503/31,71990.3
85110 Theresa Road, Yulee, FL 32097Listed by JPAR CITY AND BEACHSep 2026$295,000$1773/21,670110.6
85279 Ashley Avenue, Yulee, FL 32097Listed by BEYCOME OF FLORIDA LLCJul 2026$300,000$1853/21,620131
85405 Blackmon Road, Yulee, FL 32097Listed by PALM III REALTY AND PROPERTY MMay 2026$305,000$2094/21,456161
85559 Winona Bayview Road, Yulee, FL 32097Listed by MARK SPAIN REAL ESTATEJul 2026$478,000$2185/32,188311.1
85356 Ashley Avenue, Yulee, FL 32097Listed by FERNANDINA BEACH REALTYJun 2026$274,500$1763/21,560231.1

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$485,000
Price / Sq Ft$276
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,757
Total Structure Area3,028 sq ft
Acres1.44 acres
Year Built1974
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
Property ConditionFixer
StatusClosed
# of Carport Spaces3
Has PoolNo
Is WaterfrontYes
Direction FacesSouthwest

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address85075 Harts Road, Yulee, FL 32097
Area481-Nassau County-Yulee South
SubdivisionYulee
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size62,726.4 sq ft
Lot Dimensions150' x 525'
Parcel Number422N27000000800040
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Not Available
SewerSeptic Tank
Water SourceWell
ParkingCarport
ViewCreek/Stream, Water
Waterfront TypeCreek, Marsh

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Shower No Tub
AppliancesDishwasher, Dryer, Electric Range, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesDock
Lot DescriptionWooded
Patio / PorchPatio, Screened
RoofMetal
ConstructionBlock
Other StructuresWorkshop
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedApril 24, 2026
Days on Market34
Tax Amount$657.78
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 5, 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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