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Active

Active·Listed today

85276 Harts Road

Yulee, FL 32097

$515,000$237/sqftEst. $2,626/moMLS# 2157347

Beds

Baths

2,170

Sq Ft

1930

Built

—

Garage

Pool

About this home

Yulee

**FENCED FARM**ACREAGE**UPGRADED** Welcome to 2.88 ACRES of good country living! This property is a true WORKING HOBBY FARM complete with a fenced yard, HORSE STABLES, animal pens, and space for an RV or boats - all with NO HOA OR CDD. Enjoy a HUGE FRONT AND SIDE YARD, a covered back porch, a pavered side porch with a separate entrance to the home, and TWO CARPORTS. Inside, this warm and charming 4 bed/3 bath home boasts lots of light, hardwood and luxury vinyl plank flooring throughout, a SPLIT BEDROOM FLOOR PLAN, and a REMODELED PRIMARY SUITE. The layout features a formal living room, a Florida room in front of the house, and a BONUS SPACE for another living room or whatever you need. The kitchen features a modern backsplash, stylish cabinetry, stainless steel appliances, a gas range, and butcher block countertops. Plus, you'll be near major roadways and I-95 making commuting a breeze. Do not miss out on this rare opportunity!

Cost to own

Mortgage calculator

Home Price

$515,000

Down Payment: 20%

$103,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,626

Principal & Interest: $2,626

Property taxes (est.): $711

Insurance (est.): $343

Estimated Total Monthly

$3,680

*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$2,626

Property taxesest. at asking price, Nassau County$711

Estimated total, before insurance$3,337/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,273/yr · $356/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

Year	Market value	Taxable value	Change
2025	$318,661	$267,939	—
2024	$301,637	$301,637	—
2023	$297,731	$297,731	—
2022	$196,485	$154,052	—
2021	$140,047	$140,047	—
2020	$134,681	$62,055	—

2025 property taxes (current owner): $4,273/yr

Estimated taxes if purchased at asking price: ~$8,500/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1930)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,533 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

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

Price & status history

Jul 29, 2026Active$515,000
Jul 28, 2026Listed$515,000

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

Features

Price$515,000

Price / Sq Ft$237

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,170

Acres2.80 acres

Year Built1930

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Carport Spaces3

Has PoolNo

Is WaterfrontNo

Direction FacesSouthwest

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address85276 Harts Road, Yulee, FL 32097

Area481-Nassau County-Yulee South

SubdivisionYulee Farms

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size121,968 sq ft

Lot Dimensions285 x 440

Parcel Number422N27450000060000

Amenities

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Available, Water Available

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Carport, RV Access/Parking

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingAttic Fan, Central Air, Electric

FlooringWood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate

Spa FeaturesHeated, Above Ground