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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 — a home near Yulee High School.

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Sold

Sold·Closed Jun 15, 2026·15 days on market·Recent sales in Yulee

96102 Windsor Drive

Yulee, FL 32097

$520,000sold priceListed at $529,500 · 98.2% of asking$211/sqftMLS# 2140373
4
Beds
3
Baths
2,463
Sq Ft
2008
Built
2
Garage
No
Pool
HOA $60/mo10,019 sqft lotSingle Family Residence1 story

About this home

Yulee

Beautifully updated and move-in ready, this refined coastal home showcases over $100K in custom upgrades and exceptional attention to detail. Enjoy stunning curb appeal with a white picket fence, paver drive, new architectural roof, and lush landscaping. A spacious screened lanai opens to a private, maintenance-free yard with premium turf, stone retaining wall, and serene views of a spring-fed tidal creek--perfect for birdwatching and peaceful outdoor living. Inside, the chef's kitchen features quartz countertops, an oversized island, custom pantry storage, tile backsplash, and smart lighting. Bamboo hardwoods, 4'' plantation shutters, custom closets, and a brand-new variable-speed Trane HVAC elevate comfort and style. The luxurious primary suite offers quartz dual vanities, a soaking tub, separate shower, and a large custom walk-in closet. With hurricane shutters, smart home upgrades, low HOA, and access to a private kayak dock, this home delivers effortless, high-end coastal living.

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$2,880
Property taxesest. at asking price, Nassau County$718
HOAbilled annually$60
Estimated total, before insurance$3,659/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,687/yr · $307/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

$520,000
$104,000
Loan Term
Monthly Payment
$2,880
Principal & Interest: $2,880
Property taxes (est.): $718
Insurance (est.): $347
Estimated Total Monthly
$3,945
*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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2008)

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

Solar potential: ~1,674 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

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$467,220$229,794—
2024$401,193$222,469—
2023$403,899$214,387—
2022$339,251$211,041—
2021$270,426$203,423—
2020$250,417$199,917—

2025 property taxes (current owner): $3,687/yr

Estimated taxes if purchased at asking price: ~$8,600/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

  • Jul 15, 2026Closed$529,500

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 $234/sq ft; this home is listed at $215/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
92648 Shipton Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$665,000$2095/43,178940.7
96398 Commodore Point Drive, Yulee, FL 32097Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$415,000$2344/21,770360.8
96367 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by GAILEY ENTERPRISES LLCSep 2026$780,000$2494/33,131160.9
96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$569,990$2056/42,7823831
96452 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$675,000$2984/22,26561
96014 Inlet Cove Court, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPSep 2026$432,700$2213/21,9544471

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$529,500
Price / Sq Ft$215
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,463
Acres0.23 acres
Year Built2008
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address96102 Windsor Drive, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionMarshes At Lanceford
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size10,018.8 sq ft
Parcel Number242N28131000370000
ZoningPUD

Amenities

Community FeaturesSidewalks, Fishing, Street Lights, Curbs
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewCreek/Stream, Trees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Patio / PorchFront Porch, Rear Porch, Screened
FencingBack Yard, Vinyl, Other
RoofShingle
ConstructionFrame, Stone, Stucco
Other StructuresShed(s)
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedApril 16, 2026
Days on Market15
HOA Fees$724 / Annually
HOA FrequencyAnnually
Tax Amount$3,686.97
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 15, 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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