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Active·4 days on market

97260 Pirates Point Road

Yulee, FL 32097

$850,000$402/sqftEst. $4,334/moMLS# 2156515

Beds

Baths

2,114

Sq Ft

1988

Built

Garage

Pool

About this home

Yulee

WATERFRONT LIVING TAKES CENTER STAGE in this FULLY RENOVATED Pirate's Wood home with SWEEPING WATER VIEWS punctuated by THRIVING MARSH, A PRIVATE DOCK, BOAT LIFT AND NAVIGABLE ACCESS TO DEEP WATER, placing the OPEN OCEAN within easy reach. SET ON .72 ACRES WITH APPROXIMATELY 110 FEET OF RIVER FRONTAGE, this is a rare chance to enjoy BOATING, FISHING AND WILDLIFE from your own backyard, with redfish, sea trout, flounder, bass and more in these waters, plus frequent sightings of pelicans, ospreys, eagles and other coastal birdlife. Inside, the OPEN-CONCEPT LAYOUT has been EXTENSIVELY RENOVATED with a refined eye for quality, including OAK HARDWOOD FLOORS, a RENOVATED KITCHEN with quartz surfaces, generous island seating and an overflow pantry, plus BEAUTIFULLY UPDATED BATHS. The primary suite opens to a stylish PRIVATE SUNROOM OVERLOOKING THE WATER AND MARSH, an serene retreat that could also serve as an inspiring HOME OFFICE.

Cost to own

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,334

Principal & Interest: $4,334

Property taxes (est.): $1,173

Insurance (est.): $567

Estimated Total Monthly

$6,074

*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$4,334

Property taxesest. at asking price, Nassau County$1,173

HOAbilled semi-annually$33

Estimated total, before insurance$5,540/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Shingle — year not disclosed (home built 1988)

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: ~1,619 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