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Active

Active·8 days on market

97098 Pirates Point Road

Yulee, FL 32097

$600,000$365/sqftEst. $3,059/moMLS# 2155965

Beds

Baths

1,645

Sq Ft

1973

Built

—

Garage

Pool

About this home

Yulee

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.

Cost to own

Mortgage calculator

Home Price

$600,000

Down Payment: 20%

$120,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,059

Principal & Interest: $3,059

Property taxes (est.): $828

Insurance (est.): $400

Estimated Total Monthly

$4,288

*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$3,059

Property taxesest. at asking price, Nassau County$828

Estimated total, before insurance$3,888/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,640/yr · $303/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): $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.

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 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