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Active Under Contract

Active Under Contract·61 days on market

96497 Blackrock Road

Yulee, FL 32097

$305,000$305/sqftEst. $1,615/moMLS# 2156661
$20,000 below original list
2
Beds
1
Baths
1,001
Sq Ft
1967
Built
Garage
No
Pool
FEMA Zone XNo HOA2.10 acresSingle Family Residence1 story

About this home

Yulee

Nestled beneath a canopy of majestic oaks draped in Spanish moss, this rare Yulee property offers an exceptional opportunity to create your own private retreat just moments from the scenic St. Marys River, with multiple boat ramps within a quick drive (less than 10 minutes). Whether you're looking to renovate the existing home, build your dream residence, or invest in a peaceful piece of Old Florida, the possibilities are endless. The existing home has a newer roof, decks are only a few years old, and is made of western cedar. The property features a homesite surrounded by mature trees, offering privacy, natural beauty, and room to expand. Conveniently located just minutes from shopping, dining, schools, I-95, and a short drive to Amelia Island's beaches, this property combines the tranquility of country living with everyday conveniences. Existing home is being sold AS-IS, with the true value found in the land and its incredible potential.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,615
Property taxesest. at asking price, Nassau County$421
Estimated total, before insurance$2,036/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

$305,000
$61,000
Loan Term
Monthly Payment
$1,615
Principal & Interest: $1,615
Property taxes (est.): $421
Insurance (est.): $203
Estimated Total Monthly
$2,240
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 1967)

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: ~1,577 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $488/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

  • Aug 24, 2026Active Under Contract$305,000
  • Aug 9, 2026Price change$305,000$20,000
  • Jul 23, 2026Listed$325,000

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

Features

Price$305,000
Price / Sq Ft$305
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage1,001
Acres2.10 acres
Year Built1967
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionFixer
StatusActive Under Contract
Has PoolNo
Is WaterfrontNo

Community Information

Address96497 Blackrock Road, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionMetes & Bounds
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size91,476 sq ft
Parcel Number503N28000000160010

Amenities

UtilitiesSewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingOff Street
ViewTrees/Woods

Interior

AppliancesElectric Range, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionMany Trees
Patio / PorchFront Porch, Rear Porch
RoofShingle
ConstructionFrame
Road FrontageState Road

Additional Information

Date ListedJuly 23, 2026
Days on Market32
Tax Amount$487.68
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS · kelseyrembold@gmail.com

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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