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Active

Active·20 days on market

85456 N Harts Road

Yulee, FL 32097

$699,000$251/sqftEst. $3,564/moMLS# 2153938

Beds

Baths

2,781

Sq Ft

2019

Built

—

Garage

Pool

About this home

Yulee

Gorgeous Pond View Home w/ NO HOA, NO DEED RESTRICTIONS, NO FLOOD ZONE, HIGH & DRY and set on 1.66 ACRES! Featuring your very own glistening stocked pond, this beautifully upgraded home offers the freedom to spread out, entertain, and unwind. The thoughtfully designed kitchen is a showpiece boasting granite countertops, custom backsplash, stainless steel appliances(Stove is stubbed for gas), oversized island and that great POND VIEW from the kitchen window. Storage is abundant with tons of cabinetry and drawers, while upgraded lighting adds style throughout. The master suite is a true retreat, featuring a tray ceiling, his/her walk-in closets, and a spa-inspired bath w/ double vanities, an extended walk-in shower with dual shower heads, and a sunken tub. A separate office/den PLUS a massive bonus room provides ample space for work, play, or guests. From the spacious family room, double French doors lead to an extended back porc

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,564

Principal & Interest: $3,564

Property taxes (est.): $965

Insurance (est.): $466

Estimated Total Monthly

$4,995

*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$3,564

Property taxesest. at asking price, Nassau County$965

Estimated total, before insurance$4,529/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$521,964	$272,296	▼ $352
2024	$496,985	$259,844	—
2023	$481,821	$250,819	—
2022	$349,864	$242,057	—
2021	$305,919	$233,550	—
2020	$295,841	$229,635	—

Estimated taxes if purchased at asking price: ~$11,600/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.

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: ~1,739 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

Price & status history

Jul 6, 2026Listed$699,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$699,000

Price / Sq Ft$251

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,781

Acres1.66 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Carport Spaces2

Has PoolNo

Is WaterfrontYes

Community Information

Address85456 N Harts Road, Yulee, FL 32097

Area481-Nassau County-Yulee South

SubdivisionYulee Woods

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size72,309.6 sq ft

Parcel Number422N27448700280000

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourceWell

ParkingDetached Carport, Garage, RV Access/Parking

ViewPond, Trees/Woods, Water

Waterfront TypeLake Front, Pond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FireplaceYes

Fireplace FeaturesGas

# of Stories1

LevelsOne