1 / 44

Active Under Contract

Active Under Contract·16 days on market

85110 Theresa Road

Yulee, FL 32097

$299,000$179/sqftEst. $1,525/moMLS# 2154755

Beds

Baths

1,670

Sq Ft

1987

Built

—

Garage

Pool

About this home

Yulee

**OPEN HOUSE 7/18 SAT 12-2p**Seller offering $7,500 credit towards buyers closing cost** Mobile Home has been retired to the lot, IBTS report and Foundation Certification completed. Welcome to your own private slice of country living! Close access to 95 and 10 miles to Amelia Island. Situated on a full acre in desirable Yulee, this beautifully refreshed home offers the freedom of NO HOA, giving you plenty of room to bring your RV, boat, trailers, ATVs, and all your outdoor toys. Inside, you'll find a thoughtfully updated interior featuring brand-new luxury vinyl plank flooring throughout, fresh finishes, and a spacious open layout perfect for everyday living. The remodeled kitchen is the centerpiece of the home, complete with granite countertops, stainless steel appliances, updated cabinetry, and abundant prep space for cooking and entertaining. Both bathrooms have been tastefully renovated, freestanding soaking tub, creating the perfect place to unwind after a long day.

Cost to own

Mortgage calculator

Home Price

$299,000

Down Payment: 20%

$59,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,525

Principal & Interest: $1,525

Property taxes (est.): $413

Insurance (est.): $199

Estimated Total Monthly

$2,137

*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$1,525

Property taxesest. at asking price, Nassau County$413

Estimated total, before insurance$1,937/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
2024	$121,102	$0	—
2023	$118,166	$0	—
2022	$88,184	$0	—

2025 property taxes (current owner): $96/yr

Estimated taxes if purchased at asking price: ~$5,000/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 (2024), 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: material not specified — year not disclosed (home built 1987)

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: ~1,372 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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