This home is in Yulee — a waterfront home in Nassau County.
Sold·Closed Jul 31, 2026·5 days on market·Recent sales in Yulee
96266 Dowling Drive
Yulee, FL 32097
About this home
Yulee
Private Dock • Heated Pool • Wide Water Views • Luxury Waterfront Living on Lanceford Creek Just Minutes from Amelia Island - Welcome to 96266 Dowling Drive, a rare waterfront estate overlooking Lanceford Creek in Yulee. Nestled on a quiet cul-de-sac, this custom home offers 6 bedrooms, 4 full baths, 2 half baths, and 3,687 square feet with panoramic MARSH & WATER views. The main-level primary suite is a private retreat, while the gourmet kitchen opens seamlessly to the dining and living areas, creating the perfect setting for entertaining. A study & guest bedroom complete the first floor. Upstairs are four additional bedrooms, including one with a private waterfront balcony, plus a spacious family lounge with custom wet bar & Samsung Frame TV. Outdoor living shines with a deep heated pool, privacy landscaping, fenced yard, gas fire pit, and multiple gathering spaces. The newly covered private dock features electric, lighting, freshwater hookup, fan, and a high-
Next steps in Yulee
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,773 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 homeAs 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
Last sold: $1,123,000 in September 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $933,834 | $933,834 | — |
| 2024 | $875,211 | $875,211 | — |
| 2023 | $797,357 | $596,565 | — |
| 2022 | $627,733 | $577,733 | — |
| 2021 | $609,406 | $488,204 | — |
| 2020 | $529,725 | $479,725 | — |
2025 property taxes (current owner): $14,336/yr
Estimated taxes if purchased at asking price: ~$21,700/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 31, 2026Closed$1,399,900
- Jul 7, 2026Pending$1,399,900
- May 27, 2026Listed$1,399,900
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 $205/sq ft; this home is listed at $380/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96056 Dowling Drive, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | May 2025 | $635,000 | $192 | 4/4 | 3,315 | 88 | 0.2 |
| 96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Sep 2026 | $569,990 | $205 | 6/4 | 2,782 | 383 | 0.3 |
| 96160 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $599,990 | $180 | 5/4 | 3,327 | 341 | 0.3 |
| 96136 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jul 2026 | $589,900 | $177 | 5/4 | 3,327 | 258 | 0.3 |
| 96064 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jun 2026 | $600,000 | $207 | 5/4 | 2,900 | 221 | 0.3 |
| 95010 Pacific Isle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUP | Jul 2026 | $1,498,000 | $386 | 5/3.5 | 3,885 | 25 | 0.4 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
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
This home sold on Jul 31, 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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