1 / 35

Active

Active·13 days on market

28886 Grandview Manor

Yulee, FL 32097

$265,000Est. $1,351/moMLS# 2134270

Beds

Baths

Sq Ft

—

Built

—

Garage

Pool

About this home

Yulee

This 1 Acre Marsh & Waterfront site in Waterman's Bluff is STUNNING!.. Off the beaten path, this waterfront community borders Bells River, with deepwater access, and it's just minutes to Front Street in Fernandina Beach or Amelia Island for great Ocean adventures. A nature lovers dream, you'll find welcome shade in the canopy of century old oaks, refreshing saltwater breezes and tranquility from the daily grind. This spectacular community features 144 homesites with few remaining where you can build your dream home with your preferred builder. Nostalgic Southern Charm and character abound, as there are no cookie cutter homes or homesites here. You'll find front porches with cozy swings, sea inspired weather vanes, and coastal vernaculars with outdoor entertaining spaces and rear entry garages. Lot 52 is a rare find & can't be duplicated. Public water, sewer and underground utilities are already at the site.

Cost to own

Mortgage calculator

Home Price

$265,000

Down Payment: 20%

$53,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,351

Principal & Interest: $1,351

Property taxes (est.): $366

Insurance (est.): $177

Estimated Total Monthly

$1,894

*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$1,351

Property taxesest. at asking price, Nassau County$366

HOAbilled quarterly$158

Estimated total, before insurance$1,875/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,213/yr · $268/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	$216,553	$204,437	—
2024	$221,010	$185,852	—
2023	$225,534	$168,956	—
2022	$241,998	$153,596	—
2021	$208,419	$139,633	—
2020	$210,909	$126,939	—

2025 property taxes (current owner): $3,213/yr

Estimated taxes if purchased at asking price: ~$4,400/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: material not specified

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

Solar potential: ~1,678 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