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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Yulee.

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Active

Active·51 days on market

86446 Sand Hickory Trail

Yulee, FL 32097

$307,500$213/sqftEst. $1,642/moMLS# 2156294
↓ $17,500 below original list
3
Beds
2
Baths
1,446
Sq Ft
2004
Built
—
Garage
No
Pool
FEMA Zone XHOA $27/mo9,148 sqft lotSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Yulee

OPEN HOUSE Saturday 26th 11a-1p. PRICED TO SELL!! Welcome home to Hickory Village! This charming single-story, 3-bedroom, 2-bathroom single-family home offers 1,446 square feet of easy living in desirable Yulee, Florida. The bright, open floor plan features inviting gathering space, central air conditioning, and a peaceful primary bedroom setup designed for comfort. Step outside to enjoy a spacious lot with plenty of room for outdoor recreation, gardening, or relaxing in the warm Florida sunshine. Complete with a finished two-car garage, this well-maintained home combines practical design with effortless low-maintenance living. Ideally situated in a quiet neighborhood just minutes from top-rated Nassau County schools, local dining, shopping, and I-95, plus a short drive to the beautiful beaches of Amelia Island. This Yulee treasure is a fantastic opportunity! Roof 2019, New Ac 2025. THIS IS A SHORT SALE no repairs will be made.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$1,642
Property taxesest. at asking price, Nassau County$425
HOAbilled annually$27
Estimated total, before insurance$2,093/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,590/yr · $132/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$307,500
$61,500
Loan Term
Monthly Payment
$1,642
Principal & Interest: $1,642
Property taxes (est.): $425
Insurance (est.): $205
Estimated Total Monthly
$2,271
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,708 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 August 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,590/yr

Estimated taxes if purchased at asking price: ~$5,100/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

  • Sep 29, 2026Price change$307,500−$5,000
  • Sep 22, 2026Active$312,500
  • Sep 2, 2026Active Under Contract$312,500
  • Aug 27, 2026Price change$312,500−$6,000
  • Aug 20, 2026Price change$318,500−$6,500
  • Aug 10, 2026Active$325,000
  • Jul 20, 2026Listed$325,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$307,500
Price / Sq Ft$213
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,446
Acres0.21 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address86446 Sand Hickory Trail, Yulee, FL 32097
Area481-Nassau County-Yulee South
SubdivisionHickory Village
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size9,147.6 sq ft
Parcel Number422N27435H00100000

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchPatio
FencingBack Yard, Full

Additional Information

Date ListedAugust 10, 2026
Days on Market50
HOA Fees$325 / Annually
HOA FrequencyAnnually
Tax Amount$1,589.98
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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