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This home is in Pirates Wood, Yulee — a waterfront home in Nassau County.

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Active·93 days on market·Pirates Wood

97260 Pirates Point Road

Yulee, FL 32097

$850,000$402/sqftEst. $4,671/mo mortgageMLS# 2156515

Beds

Baths

2,114

Sq Ft

1988

Built

Garage

Pool

5 more homes for sale in Pirates Wood →Search Pirates Wood on the map

FEMA Zone AEHOA $33/mo0.72 acresWaterfrontSingle Family Residence1 story

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About this home

Pirates Wood

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.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$4,671

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

HOAbilled semi-annually$33

Estimated total, before insurance$5,877/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 7.32%

Loan Term

Monthly Payment

$4,671

Principal & Interest: $4,671

Property taxes (est.): $1,173

Insurance (est.): $567

Estimated Total Monthly

$6,411

*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 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.

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 Park
about 5 mi · 105 parking spaces
Closest park or preserve
Egans Creek Greenway
27 min drive · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marina
about 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dock
about 5 mi · Egan's Creek
Closest grocery store
Publix
11 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.

History

Price & status history

Jul 22, 2026Listed$850,000

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 $237/sq ft; this home is listed at $402/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
97535 Pirates Point Road, Yulee, FL 32097Listed by PINEYWOODS REALTY LLC	May 2026	$595,000	$237	3/2	2,513	143	0.3
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	0.8
97003 McGirts Creek Loop, Yulee, FL 32097Listed by DREES REALTY	Mar 2026	$523,990	$224	4/3	2,336	257	1

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

Price$850,000

Price / Sq Ft$402

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,114

Acres0.72 acres

Year Built1988

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

# of Carport Spaces1

Has PoolNo

Is WaterfrontYes

School Information

This listingNo schools reported in the MLS

ElementaryYulee, reported on 6 other Pirates Wood listings

MiddleYulee, reported on 6 other Pirates Wood listings

HighYulee, reported on 6 other Pirates Wood listings

County schoolsNassau County Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address97260 Pirates Point Road, Yulee, FL 32097

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionPirates Wood

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size31,363.2 sq ft

Lot Dimensions110x333x105x408

Parcel Number433N28509D00270000

ZoningSingle Family

Amenities

AmenitiesPool, Boat Launch, Clubhouse, Playground

UtilitiesCable Available

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAttached, Carport, Garage

ViewRiver

Waterfront TypeMarsh, Navigable Water, River Front

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Microwave, Refrigerator, Water Softener Owned

HeatingHeat Pump

CoolingElectric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

Exterior

Exterior FeaturesBoat Lift, Dock, Fire Pit

Patio / PorchCovered, Deck, Patio, Screened

FencingBack Yard

RoofShingle

ConstructionFrame

Road SurfacePaved

Additional Information

Date ListedJuly 22, 2026

Days on Market40

HOA Fees$195 / Semi-Annually

HOA FrequencySemi-Annually

Listing TermsCash, Conventional, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: CENTURY 21 MILLER ELITE 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.

The neighborhood

About Pirates Wood

Pirates Wood is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.

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