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Active

Active·83 days on market

96039 Morton Lane

Yulee, FL 32097

$355,000$137/sqftEst. $1,810/moMLS# 2129282

Beds

Baths

2,592

Sq Ft

2007

Built

Garage

Pool

About this home

Yulee

Short Sale - Bank Approved Price. Price reflects the lender-required payoff. Located in the desirable Heron Isles community, just minutes from Fernandina Beach, this spacious two-story home offers 4 bedrooms and 2.5 bathrooms with a flexible layout. Features include a loft with built-in desk, a separate eat-in kitchen and family room, plus two adjoining front rooms ideal for formal dining, sitting area, or flex space. The kitchen offers ample cabinetry, counter space, and a coffee or butler's bar. All kitchen appliances convey. Solar panels help reduce utility costs, and the roof is only 2.5 years old. Natural light fills the home throughout. The fully fenced backyard includes a swing set and fire pit. Important: Property is subject to short sale approval. Solar panels are leased and there is an existing lien--buyer must qualify to assume the solar lease.

Cost to own

Mortgage calculator

Home Price

$355,000

Down Payment: 20%

$71,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,810

Principal & Interest: $1,810

Property taxes (est.): $490

Insurance (est.): $237

Estimated Total Monthly

$2,537

*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$1,810

Property taxesest. at asking price, Nassau County$490

HOAbilled annually$8

Estimated total, before insurance$2,308/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,287/yr · $524/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

2025 property taxes (current owner): $6,287/yr

Estimated taxes if purchased at asking price: ~$5,900/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, 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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2007)

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

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,720 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

May 3, 2026Listed$355,000

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

Features

Price$355,000

Price / Sq Ft$137

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,592

Acres0.12 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSoutheast

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address96039 Morton Lane, Yulee, FL 32097

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionHeron Isles

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size5,227.2 sq ft

Parcel Number373N2807400264000

ZoningResidential

Amenities

AmenitiesPlayground

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup