This home is in Pirates Wood, Yulee — a waterfront home in Nassau County.
Active·98 days on market·Pirates Wood
97098 Pirates Point Road
Yulee, FL 32097
5 more homes for sale in Pirates Wood →Search Pirates Wood on the map
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About this home
Pirates Wood
Discover a beautifully maintained residence offering a perfect blend of classic charm and comfort in the heart of Yulee. This 1,645-square-foot home features a thoughtfully designed layout with three spacious bedrooms and two full bathrooms, making it ideal for a variety of lifestyles. Step inside to find an inviting interior accented by elegant hardwood and durable tile flooring throughout, providing both sophisticated style and ease of maintenance. The 1970s architecture provides a solid foundation and character that is perfectly complemented by the home's functional flow. Large windows invite natural light to brighten the living spaces, creating a warm and welcoming atmosphere for daily living and entertaining. Ideally situated to enjoy the best of the local area, this property represents a fantastic opportunity for those seeking a quality home with timeless appeal and lasting value. Experience the potential of this exceptional residence for yourself.
Next steps in Pirates Wood
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: material not specified — year not disclosed (home built 1973)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Private Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,736 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Main Beach Parkabout 5 mi · 105 parking spaces
Closest park or preserve
Egans Creek Greenway27 min drive · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 5 mi · Egan's Creek
Closest grocery store
Publix11 min drive · 463855 State Road 200, Yulee
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,640/yr
Estimated taxes if purchased at asking price: ~$9,900/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.
History
Price & status history
- Jul 17, 2026Listed$600,000
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 $242/sq ft; this home is listed at $365/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 97236 Pirates Way, Yulee, FL 32097Listed by ATLANTIC SALT REALTY | Sep 2026 | $400,000 | $266 | 3/2 | 1,503 | 95 | 0.4 |
| 97046 Katfish, Yulee, FL 32097Listed by ALFA REALTORS CORP | Jun 2026 | $315,501 | $154 | 3/2 | 2,050 | 10 | 0.4 |
| 97201 Pirates Way, Yulee, FL 32097Listed by WATSON REALTY CORP | Apr 2026 | $375,000 | $216 | 2/2 | 1,740 | 26 | 0.4 |
| 97145 Blackbeards Way, Yulee, FL 32097Listed by WATSON REALTY CORP | Aug 2026 | $760,000 | $511 | 3/2 | 1,488 | 17 | 0.9 |
| 97213 Amy Drive, Yulee, FL 32097Listed by LPT REALTY LLC | Sep 2025 | $199,900 | $149 | 3/2 | 1,344 | 171 | 1.1 |
| 97040 Rhianna Lane, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Oct 2026 | $430,000 | $242 | 3/2 | 1,777 | 78 | 1.2 |
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
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: SAND DOLLAR REALTY GROUP INC
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.
The neighborhood
About Pirates Wood
Pirates Wood is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.
View all Pirates Wood homes for sale →Keep looking
More homes in Pirates Wood
For Sale97260 Pirates Point RoadYulee, FL 32097
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$850,000Est. $4,524/moWATERFRONT LIVING TAKES CENTER STAGE in this FULLY RENOVATED Pirate's Wood home with SWEEPING WATER VIEWS punctuated by…
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For Sale97146 Pirates Point RoadYulee, FL 32097
3 bd · 2 ba · 2,443 sq ft
$865,000Est. $4,604/moRare one-acre WATERFRONT estate with panoramic marsh views that stretch to historic downtown Fernandina Beach, bring…
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For Sale97002 Jose Gaspar WayYulee, FL 32097
3 bd · 3 ba · 3,671 sq ft
$895,000Est. $4,764/moCustom ALL BRICK Estate in NASSAU COUNTY, offering 3,671 square feet of thoughtfully designed living space on a private…
Listing Office: fernandina beach realty
For Sale97012 Laffites WayYulee, FL 32097
6 bd · 5 ba · 3,900 sq ft
$1,095,000Est. $5,828/moExperience luxury, privacy, and versatility in this exceptional custom-built home located in the highly sought-after…
Listing Office: century 21 miller elite llc
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Krista Fracke
Broker Associate
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