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Pending

Pending·147 days on market

97146 Pirates Point Road

Yulee, FL 32097

$875,000$358/sqftEst. $4,461/moMLS# 2132512

Beds

Baths

2,443

Sq Ft

1994

Built

Garage

Pool

About this home

Yulee

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, upgraded Anderson windows, 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 and 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, all-new stainless steel

Cost to own

Mortgage calculator

Home Price

$875,000

Down Payment: 20%

$175,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,461

Principal & Interest: $4,461

Property taxes (est.): $1,208

Insurance (est.): $583

Estimated Total Monthly

$6,253

*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$4,461

Property taxesest. at asking price, Nassau County$1,208

HOAbilled semi-annually$54

Estimated total, before insurance$5,723/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,940/yr · $495/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

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: ~$14,500/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 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 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

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.

Features

Price$875,000

Price / Sq Ft$358

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,443

Acres1.07 acres

Year Built1994

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address97146 Pirates Point Road, Yulee, FL 32097

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionPirates Wood

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size46,609.2 sq ft

Parcel Number433N28509D00360000

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Playground

UtilitiesCable Available, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingCircular Driveway, Garage

ViewIntracoastal

Waterfront TypeIntracoastal, Marsh, Navigable Water

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit

Window FeaturesSkylight(s)

Spa FeaturesPrivate