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Active

Active·179 days on market

96718 Blackrock Road

Yulee, FL 32097

$425,000$266/sqftEst. $2,167/moMLS# 2127273

Beds

Baths

1,596

Sq Ft

2022

Built

Garage

Pool

About this home

Yulee

Welcome home to this well-designed 3-bedroom, 2.5-bath residence offering just under 1,600 sq ft of comfortable living on a fully fenced half-acre lot in Yulee. The open-concept living area flows seamlessly into the kitchen, creating a functional and inviting space ideal for everyday living and entertaining. The kitchen is complemented by a massive walk-in pantry, while the oversized laundry room provides exceptional storage and convenience. With no HOA or CDD fees, enjoy true freedom—bring your boat, RV, or toys with no community restrictions. Plenty of room to spread out, garden, or create your own outdoor oasis. 3.625 VA assumable loan available—ask for details. This property offers flexibility, space, and value in a prime Nassau County location.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,167

Principal & Interest: $2,167

Property taxes (est.): $587

Insurance (est.): $283

Estimated Total Monthly

$3,037

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$2,167

Property taxesest. at asking price, Nassau County$587

Estimated total, before insurance$2,754/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,776/yr · $398/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).

Cost to own

Taxes & assessment

Last sold: $400,000 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$429,347	$300,761	—
2024	$365,304	$291,436	—
2023	$336,346	$281,346	—
2022	$45,000	$45,000	—
2021	$38,500	$29,282	—
2020	$30,800	$26,620	—

2025 property taxes (current owner): $4,776/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.

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 2022)

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

Solar potential: ~1,541 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

As 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.

History

Price & status history

Jan 28, 2026Listed$425,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$425,000

Price / Sq Ft$266

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,596

Acres0.50 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address96718 Blackrock Road, Yulee, FL 32097

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionMcgirts Creek

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size21,780 sq ft

Parcel Number443N28000000010050

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingGarage

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Water Softener Owned

HeatingElectric

CoolingElectric

# of Stories1

LevelsOne

LaundryIn Unit