Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Pending

Pending·49 days on market

97145 Blackbeards Way

Yulee, FL 32097

$810,000$544/sqftEst. $4,177/moMLS# 2151408

Beds

Baths

1,488

Sq Ft

1983

Built

Garage

Pool

About this home

Yulee

Step into the coastal lifestyle you've been dreaming of in this Pirates Wood waterfront home. This charming 3BR/2BA, 1,488 sqft property sits on .75 acres with exceptional deep-water access on the Bells River. Enjoy a large screened deck and open patio ideal for relaxing, entertaining, or taking in the river breeze. A private deep-water dock with 30-amp power, boat lift, and floating dock with approx. 6 ft. at low tide offers true boater convenience. The home features a durable metal roof and a 2024 A/C, providing peace of mind for years to come. Storage is unmatched with an attached 2-car garage plus a 20'x40' detached garage with 16 ft. door and 50-amp plug, perfect for RVs, boats, or a workshop. Pirates Wood residents enjoy a community floating dock, boat ramp, pool, and clubhouse rental, creating a rare blend of privacy, amenities, and authentic riverfront living.

Cost to own

Mortgage calculator

Home Price

$810,000

Down Payment: 20%

$162,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$4,177

Principal & Interest: $4,177

Property taxes (est.): $1,118

Insurance (est.): $540

Estimated Total Monthly

$5,835

*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$4,177

Property taxesest. at asking price, Nassau County$1,118

HOAbilled semi-annually$33

Estimated total, before insurance$5,328/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,705/yr · $309/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	$820,545	$230,959	—
2024	$629,193	$223,742	—
2023	$577,464	$215,769	—
2022	$501,215	$189,066	—
2021	$449,956	$182,103	—
2020	$382,698	$178,898	—

2025 property taxes (current owner): $3,705/yr

Estimated taxes if purchased at asking price: ~$13,400/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 D

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

Roof: Metal — year not disclosed (home built 1983)

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

Solar potential: ~1,690 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