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Active·10 days on market

97476 Albatross Drive

Yulee, FL 32097

$495,000$247/sqftEst. $2,524/moMLS# 2155496

Beds

Baths

2,003

Sq Ft

2017

Built

Garage

Pool

About this home

Yulee

Welcome to Heron Isles, one of Yulee's most popular and established communities, known for its quiet streets, community playground, and remarkably low HOA of just $100 per year. Originally a builder model home, this meticulously maintained single-story stunner, built in 2017, offers 4 bedrooms, 2 bathrooms, and 2,003 square feet of open living space on a fully fenced homesite overlooking a tranquil pond. Inside, wood-look tile flows through a bright, open great room crowned by soaring volume ceilings and wired with built-in surround sound for a true cinematic experience. The kitchen features 42-inch white cabinetry, granite countertops, a decorative tile backsplash, and a large center island with pendant lighting and breakfast bar seating. A split-bedroom layout gives the primary suite its own private wing, complete with a custom Closets by Design walk-in closet and a dual-sink vanity bath.

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,524

Principal & Interest: $2,524

Property taxes (est.): $683

Insurance (est.): $330

Estimated Total Monthly

$3,537

*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$2,524

Property taxesest. at asking price, Nassau County$683

HOAbilled annually$8

Estimated total, before insurance$3,216/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,418/yr · $535/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

2025 property taxes (current owner): $6,418/yr

Estimated taxes if purchased at asking price: ~$8,200/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, 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 2017)

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

Solar potential: ~1,751 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