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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Yulee.

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Sold

Sold·Closed Aug 3, 2026·75 days on market·Recent sales in Yulee

86415 Sand Hickory Trail

Yulee, FL 32097

$340,000sold priceListed at $339,900 · 100% of asking$250/sqftMLS# 2139896
3
Beds
2
Baths
1,361
Sq Ft
2004
Built
2
Garage
No
Pool
FEMA Zone XHOA $25/mo9,148 sqft lotSingle Family Residence1 story

About this home

Yulee

**SELLERS OFFERING A BUYER CREDIT OF $5,000 PLUS $1,000 HOME WARRANTY WITH ACCEPTABLE OFFER** BACKYARD BLISS meets COZY COMFORT! You will fall in love with this beautifully maintained, 3 bedroom 2 bath home offering 1,361 sf of comfortable living space, with a bonus flex space that is perfect for a home office or enhanced dining area. With it's split bedroom design, open living area, and impeccable flow, this home will check ALL the boxes for a growing family or even those looking to downsize. The spacious backyard can be your oasis to unwind, for the kiddos, and plenty of room for the fur babies to run! Low HOA fees, no CDD fees! Newer roof, 2020. Just a couple minutes from Rated-A schools, less than 15 minutes to shopping, dining, and the interstate & just a short drive to the beautiful beaches & charm of Amelia Island!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,883
Property taxesest. at asking price, Nassau County$469
HOAbilled annually$25
Estimated total, before insurance$2,378/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,990/yr · $166/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$340,000
$68,000
Loan Term
Monthly Payment
$1,883
Principal & Interest: $1,883
Property taxes (est.): $469
Insurance (est.): $227
Estimated Total Monthly
$2,579
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 F

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

Roof: material not specified — year not disclosed (home built 2004)

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

Solar potential: ~1,728 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$263,715$119,267—
2024$254,697$115,198—
2023$246,124$110,386—
2022$202,146$105,715—
2021$171,063$101,180—
2020$156,120$99,093—

2025 property taxes (current owner): $1,990/yr

Estimated taxes if purchased at asking price: ~$5,600/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 6, 2026Closed$339,900
  • Jul 7, 2026Pending$339,900
  • May 20, 2026Listed$339,900

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 $203/sq ft; this home is listed at $250/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
86132 Red Holly Place, Yulee, FL 32097Listed by SUMMER HOUSE REALTYApr 2026$335,000$2013/21,6691410.1
85456 Miner Road, Yulee, FL 32097Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$526,000$3133/21,68050.2
86636 Serenity Lake Court, Yulee, FL 32097Listed by LPT REALTY LLCJul 2026$349,000$2033/21,7211050.7
85487 Ashley Avenue, Yulee, FL 32097Listed by FLORIDA'S CHOICE REALTY LLCMay 2026$249,900$2382/21,05250.7
85043 Megan Street, Yulee, FL 32097Listed by NON MLS (realMLS)Aug 2026$176,000$1832/196000.8
85356 Ashley Avenue, Yulee, FL 32097Listed by FERNANDINA BEACH REALTYJun 2026$274,500$1763/21,560230.8

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

Price$339,900
Price / Sq Ft$250
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,361
Acres0.21 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address86415 Sand Hickory Trail, Yulee, FL 32097
Area481-Nassau County-Yulee South
SubdivisionHickory Village
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size9,147.6 sq ft
Parcel Number422N27435H02120000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Electric Range, Microwave
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories1
LaundryIn Garage

Exterior

Patio / PorchPatio
ConstructionOther, Stucco
Other StructuresShed(s)

Additional Information

Date ListedMay 20, 2026
Days on Market75
HOA Fees$302.5 / Annually
HOA FrequencyAnnually
Tax Amount$1,990.2
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PALM III REALTY AND PROPERTY M

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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 3, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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