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Active

Active·6 days on market

85414 N Harts Road

Yulee, FL 32097

$149,900Est. $764/moMLS# 2155874

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About this home

Yulee

Opportunity awaits with this beautiful 1.15-acre homesite in one of Yulee's fastest-growing areas! High and dry and surrounded by mature trees, this heavily wooded parcel offers the perfect blend of privacy and flexibility. A small portion of the property has already been cleared, providing an ideal starting point to rebuild or create your dream home. The existing structure is conveyed with no value, allowing you to focus on the incredible potential this property offers. Perfectly positioned just minutes from William Burgess, you'll enjoy easy access to local parks, the brand new splash pad, shopping, restaurants, and a quick commute to Jacksonville via US-17. Located in the highly desirable Wildlight school district and surrounded by exciting new residential and commercial development, this is a rare opportunity to secure acreage in the heart of one of Northeast Florida's most rapidly expanding communities. Whether you're looking to build now or invest for the future, this property is

Cost to own

Mortgage calculator

Home Price

$149,900

Down Payment: 20%

$29,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$764

Principal & Interest: $764

Property taxes (est.): $207

Insurance (est.): $100

Estimated Total Monthly

$1,071

*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$764

Property taxesest. at asking price, Nassau County$207

Estimated total, before insurance$971/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

2025 property taxes (current owner): $166/yr

Estimated taxes if purchased at asking price: ~$2,500/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 F

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

Roof: material not specified

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: ~1,632 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