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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Yulee.

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Sold

Sold·Closed Aug 6, 2026·3 days on market·Recent sales in Yulee

86313 Cardinal Road

Yulee, FL 32097

$310,000sold priceListed at $325,000 · 95.4% of asking$376/sqftMLS# 2153495
2
Beds
1
Baths
824
Sq Ft
1982
Built
—
Garage
No
Pool
No HOA2.00 acresSingle Family Residence1 story

About this home

Yulee

Charming 2 bedroom 1 bath cottage in the country on 2 acres with a detached 2 car carport with fenced in yard with privacy and space for your toys, No HOA. Nice large screened in back porch with an attached laundry room. There is a large concrete barn in the back that would be perfect for a man cave or workshop. This home has been completely remodeled with new kitchen, appliances, bathroom, new paint and flooring. Just a few miles to great shopping but this property offers peace and serenity away from the hustle and bustle. Don't miss out on this unique country living. No pets allowed and no smokers.

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$1,717
Property taxesest. at asking price, Nassau County$428
Estimated total, before insurance$2,145/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,082/yr · $257/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

$310,000
$62,000
Loan Term
Monthly Payment
$1,717
Principal & Interest: $1,717
Property taxes (est.): $428
Insurance (est.): $207
Estimated Total Monthly
$2,352
*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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1982)

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

Solar potential: ~1,511 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

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$264,651$168,097—
2024$250,364$152,815—
2023$246,875$138,923—
2022$181,183$126,294—
2021$120,859$114,813—
2020$115,009$104,375—

2025 property taxes (current owner): $3,082/yr

Estimated taxes if purchased at asking price: ~$5,100/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 6, 2026Closed$325,000

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 $171/sq ft; this home is listed at $394/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
86341 Goodbread Road, Yulee, FL 32097Listed by WATSON REALTY CORPSep 2026$120,000$1712/17001721.3
85042 Halls Lane, Yulee, FL 32097Listed by PALM III REALTY AND PROPERTY MAug 2026$65,000$973/1672681.7
85487 Ashley Avenue, Yulee, FL 32097Listed by FLORIDA'S CHOICE REALTY LLCMay 2026$249,900$2382/21,05252.1
85043 Megan Street, Yulee, FL 32097Listed by NON MLS (realMLS)Aug 2026$176,000$1832/196002.4
85189 Miner Road, Yulee, FL 32097Listed by MILITARY REALTY INCJun 2026$90,000$1152/27841842.6

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$325,000
Price / Sq Ft$394
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage824
Acres2.00 acres
Year Built1982
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

Community Information

Address86313 Cardinal Road, Yulee, FL 32097
Area481-Nassau County-Yulee South
SubdivisionMetes & Bounds
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size87,120 sq ft
Lot Dimensions510x171
Parcel Number04-2N-27-4290-0039-0000
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Carport
ViewTrees/Woods

Interior

Interior FeaturesEat-in Kitchen, Primary Bathroom - Tub with Shower
AppliancesDishwasher, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSplit Possible
Patio / PorchRear Porch, Screened
FencingFenced, Chain Link
RoofShingle
Other StructuresBarn(s), Stable(s), Workshop
Road SurfacePaved
Road FrontageCounty Road

Additional Information

Date ListedJuly 2, 2026
Days on Market3
Tax Amount$3,082
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENT

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

Krista Fracke

Broker Associate

This home sold on Aug 6, 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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20+ years · 500+ closings · NE Florida

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