1 / 49

Active

Active·60 days on market

86230 Cloister Court

Yulee, FL 32097

$399,999$166/sqftEst. $2,039/moMLS# 2147190

Beds

Baths

2,415

Sq Ft

2019

Built

Garage

Pool

About this home

Yulee

***THIS HOME QUALIFIES FOR USDA FINANCING - 100% FINANCING (NO DOWN PAYMENT REQUIRED)*** Welcome to this beautifully maintained two-story home built in 2019, offering 4 bedrooms, 2.5 bathrooms, and over 2,400 square feet of thoughtfully designed living space. Tucked away on a quiet dead-end street with minimal traffic, this home provides both privacy and convenience in a highly desirable community. The functional floor plan features all bedrooms and the laundry room upstairs, keeping the main living areas ideal for everyday living and entertaining. Downstairs, you'll find durable luxury vinyl plank flooring throughout, while the upstairs offers upgraded carpet for added comfort. The spacious primary suite includes a large walk-in closet and plenty of room to unwind. Step outside to enjoy the screened lanai overlooking the fully fenced backyard--perfect for relaxing evenings, pets, or entertaining guests. Additional features include a 2-car garage, water softener, and low-maintenance

Cost to own

Mortgage calculator

Home Price

$399,999

Down Payment: 20%

$80,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,039

Principal & Interest: $2,039

Property taxes (est.): $552

Insurance (est.): $267

Estimated Total Monthly

$2,858

*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$2,039

Property taxesest. at asking price, Nassau County$552

HOAbilled annually$76

Estimated total, before insurance$2,668/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,909/yr · $409/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

Last sold: $388,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$363,878	$309,398	—
2024	$349,971	$299,971	—
2023	$324,445	$208,634	—
2022	$277,191	$201,101	—
2021	$243,787	$193,787	—
2020	$212,246	$210,521	—

2025 property taxes (current owner): $4,909/yr

Estimated taxes if purchased at asking price: ~$6,600/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.

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: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,771 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