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Active·53 days on market

97040 Rhianna Lane

Yulee, FL 32097

$449,000$253/sqftEst. $2,315/moMLS# 2150805

Beds

Baths

1,777

Sq Ft

2007

Built

Garage

Pool

About this home

Yulee

One of a kind property (with Brand New Roof & Drainfield) offering a rare combination of space, flexibility, and freedom with no HOA or deed restrictions, set on a nearly fully fenced half acre. Inside, the home features an open split floor plan with vaulted ceilings, creating a bright and inviting atmosphere throughout. The spacious kitchen offers ample countertop space and a gas stove, making it both functional and ideal for everyday living and entertaining. The primary suite serves as a private retreat, featuring a large bathroom with a soaking tub, separate shower, and a walk-in closet. The attached two-car garage is finished with durable Shark Coating flooring for a clean, polished look, and the home is equipped with a whole-home water softener system. Beyond the main home, the property truly stands out. An oversized insulated detached garage includes a finished room in the rear, perfect for a game room, pool table area, or additional entertaining space. Septic Inspection on file.

Cost to own

Mortgage calculator

Home Price

$449,000

Down Payment: 20%

$89,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,315

Principal & Interest: $2,315

Property taxes (est.): $620

Insurance (est.): $299

Estimated Total Monthly

$3,235

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,315

Property taxesest. at asking price, Nassau County$620

Estimated total, before insurance$2,935/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,826/yr · $236/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

Year	Market value	Taxable value	Change
2025	$383,172	$173,737	—
2024	$338,446	$168,133	—
2023	$306,797	$161,780	—
2022	$257,500	$155,612	—
2021	$215,581	$149,623	—
2020	$196,867	$146,867	—

2025 property taxes (current owner): $2,826/yr

Estimated taxes if purchased at asking price: ~$7,400/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 E

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

Roof: Shingle — year not disclosed (home built 2007)

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: ~1,704 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