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Active·170 days on market

32097 White Tail Court

Bryceville, FL 32009

$319,900$171/sqftEst. $1,772/moMLS# 2141682
↓ $20,000 below original list
4
Beds
2
Baths
1,868
Sq Ft
2002
Built
2
Garage
No
Pool
FEMA Zone XHOA $22/mo0.55 acresSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Bryceville

Roof installed November 2020, Water Heater 2025, HVAC 2021 New coil 2026. Water Softener System, Detached Workshop Shed. Tucked into an established area with proven value, this home offers solid bones and a layout that invites transformation. Great floor plan split bedrooms, Fireplace, Privacy fenced rear an ideal layout. Amazing With comparable homes in the area showing strong resale potential, this property stands out as a strategic buying opportunity.

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$1,772
Property taxesest. at asking price, Nassau County$442
HOAbilled annually$22
Estimated total, before insurance$2,235/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,272/yr · $189/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

$319,900
$63,980
Loan Term
Monthly Payment
$1,772
Principal & Interest: $1,772
Property taxes (est.): $442
Insurance (est.): $213
Estimated Total Monthly
$2,427
*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 K

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2002)

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: ~1,724 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$260,746$137,639—
2024$260,324$133,052—
2023$250,537$127,720—
2022$204,430$122,544—
2021$178,364$117,518—
2020$165,205$115,205—

2025 property taxes (current owner): $2,272/yr

Estimated taxes if purchased at asking price: ~$5,300/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 22, 2026Price change$319,900−$20,000
  • Apr 23, 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 $225/sq ft; this home is listed at $171/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
30283 Trophy Trail, Bryceville, FL 32009Listed by COLDWELL BANKER VANGUARD REALTYMay 2026$385,900$1923/22,013230.2
30302 Trophy Trail, Bryceville, FL 32009Listed by HERRON REAL ESTATE LLCJun 2025$380,000$2033/21,876640.2
10293 Ford Road, Bryceville, FL 32009Listed by XCELLENCEJul 2026$540,000$2374/22,281361
9546 Ford Road, Bryceville, FL 32009Listed by ATRIUM REALTY, LLCJun 2026$440,000$2264/21,950461.6
9486 Lovage Lane, Jacksonville, FL 32219Listed by OCCUPY REAL ESTATE GROUP, LLC.Jun 2026$335,000$1674/32,0061073.2
8152 Sierra Oaks Boulevard, Jacksonville, FL 32219Listed by COLDWELL BANKER VANGUARD REALTYOct 2025$515,000$2253/2.52,2921233.2

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$319,900
Price / Sq Ft$171
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,868
Acres0.55 acres
Year Built2002
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address32097 White Tail Court, Bryceville, FL 32009
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionBuckhead
CityBryceville
CountyNassau
StateFL
Zip Code32009
Lot Size23,958 sq ft
Parcel Number011S24018B00200000

Amenities

UtilitiesCable Available, Electricity Connected, Water Available
Water SourcePrivate, Well
ParkingAttached, Garage, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Pantry
AppliancesConvection Oven, Dishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingElectric
FlooringCarpet, Concrete
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Exterior

Lot DescriptionCleared, Cul-De-Sac
Patio / PorchFront Porch, Patio, Rear Porch
FencingBack Yard, Wood
RoofShingle
ConstructionBrick, Vinyl Siding
Other StructuresShed(s)
Road SurfaceAsphalt

Additional Information

Date ListedApril 24, 2026
Days on Market121
HOA Fees$260 / Annually
HOA FrequencyAnnually
Tax Amount$2,272.24
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

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