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Active

Active·2 days on market

85456 Miner Road

Yulee, FL 32097

$500,000$298/sqftEst. $2,578/moMLS# 2158973

Beds

Baths

1,680

Sq Ft

1990

Built

Garage

Yes

Pool

About this home

Yulee

MULTIPLE OFFERS RECEIVED - HIGHEST AND BEST DUE SUNDAY, 08/09/2026 by 5PM. Tucked behind a natural canopy of trees on a full acre with no HOA and no deed restrictions, this custom-built residence offers the kind of freedom, privacy, and craftsmanship that is increasingly difficult to find. Set back from the road and surrounded by mature trees, the moment you arrive, the outside world quietly fades away. Step inside and the character is immediately apparent. Soaring vaulted ceilings anchored by a striking wood beam define the great room, where light pours through updated Andersen windows - a thoughtful, quality upgrade that speaks to how this home has been maintained. A split bedroom floor plan offers privacy and practicality. Outside, the lifestyle truly unfolds. A sparkling inground pool surrounded by pavers invites warm-weather living at its finest, complemented by a screen porch perfect for morning coffee or evening conversation. For the hobbyist, craftsman, or car enthusiast

Cost to own

Mortgage calculator

Home Price

$500,000

Down Payment: 20%

$100,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,578

Principal & Interest: $2,578

Property taxes (est.): $690

Insurance (est.): $333

Estimated Total Monthly

$3,602

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,578

Property taxesest. at asking price, Nassau County$690

Estimated total, before insurance$3,269/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,571/yr · $131/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

2025 property taxes (current owner): $1,571/yr

Estimated taxes if purchased at asking price: ~$8,300/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.

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 1990)

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: ~1,475 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

History

Price & status history

Aug 6, 2026Listed$500,000

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

Features

Price$500,000

Price / Sq Ft$298

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,680

Acres1.01 acres

Year Built1990

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

# of Carport Spaces1

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Direction FacesWest

School Information

MiddleYulee

HighYulee

Community Information

Address85456 Miner Road, Yulee, FL 32097

Area481-Nassau County-Yulee South

SubdivisionYulee

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size43,995.6 sq ft

Lot Dimensions100'x440'

Parcel Number382N27137000020000

Amenities

UtilitiesElectricity Connected, Propane

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Detached, Detached Carport, Garage, RV Access/Parking

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Range, Microwave, Refrigerator, Washer

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryIn Unit