This home is in Pirates Wood, Yulee — a waterfront home in Nassau County.
Active·86 days on market·Pirates Wood
97146 Pirates Point Road
Yulee, FL 32097
5 more homes for sale in Pirates Wood →Search Pirates Wood on the map
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About this home
Pirates Wood
Rare one-acre WATERFRONT estate with panoramic marsh views that stretch to historic downtown Fernandina Beach, bring your BOAT & RV! Set within Pirates Wood, this updated one-level ranch is layered with character and coastal charm. Designed for effortless living, the interior emphasizes flow and rich texture, featuring wood-look tile, NEW $74,000 Anderson windows, $27,000 patio door replacement, recessed lighting, and a wood-burning fireplace with built-ins that anchor the main living space with warmth and architectural presence. Outdoor living is a true extension of the home. The expansive screened lanai blends indoor and outdoor spaces. The extended patio with spa and cabana is made for quiet evenings or entertaining. Towering mature oaks frame the grounds, leading to a firepit area & private dock, the idyllic setting for front-row access to sunrises, shifting tides, and the soft glow of downtown across the water. The kitchen balances charm and functionality with pine cabinetry
Next steps in Pirates Wood
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 (that applies to the reference bill above too).
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 1994)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,289 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Main Beach Parkabout 5 mi · 105 parking spaces
Closest park or preserve
Egans Creek Greenway27 min drive · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 5 mi · Egan's Creek
Closest grocery store
Publix11 min drive · 463855 State Road 200, Yulee
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $723,386 | $376,535 | — |
| 2024 | $655,782 | $365,216 | — |
| 2023 | $640,119 | $353,122 | — |
| 2022 | $444,578 | $341,381 | — |
| 2021 | $379,982 | $279,982 | — |
| 2020 | $315,240 | $265,240 | — |
2025 property taxes (current owner): $5,940/yr
Estimated taxes if purchased at asking price: ~$14,300/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 17, 2026Price change$865,000−$10,000
- Jul 29, 2026Active$875,000
- Jul 13, 2026Pending$875,000
- Mar 1, 2026Listed$875,000
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 $216/sq ft; this home is listed at $354/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 97046 Katfish, Yulee, FL 32097Listed by ALFA REALTORS CORP | Jun 2026 | $315,501 | $154 | 3/2 | 2,050 | 10 | 0.4 |
| 97535 Pirates Point Road, Yulee, FL 32097Listed by PINEYWOODS REALTY LLC | May 2026 | $595,000 | $237 | 3/2 | 2,513 | 143 | 0.4 |
| 97201 Pirates Way, Yulee, FL 32097Listed by WATSON REALTY CORP | Apr 2026 | $375,000 | $216 | 2/2 | 1,740 | 26 | 0.4 |
| 96899 McGirts Creek Loop, Yulee, FL 32097Listed by DREES REALTY | Jun 2026 | $599,990 | $203 | 4/3 | 2,953 | 56 | 1.1 |
| 97040 Rhianna Lane, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Oct 2026 | $430,000 | $242 | 3/2 | 1,777 | 78 | 1.2 |
| 97076 Arnold Ridge Drive, Yulee, FL 32097Listed by NEXT MOVE ATLANTIC COAST | Jul 2026 | $455,000 | $191 | 4/2 | 2,380 | 83 | 1.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
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 Wood
Pirates Wood is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.
View all Pirates Wood homes for sale →Keep looking
More homes in Pirates Wood
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For Sale97098 Pirates Point RoadYulee, FL 32097
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Krista Fracke
Broker Associate
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