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Active Under Contract

Active Under Contract·14 days on market

86237 Mainline Road

Yulee, FL 32097

$365,000$166/sqftEst. $1,875/moMLS# 2159523

Beds

Baths

2,198

Sq Ft

2021

Built

Garage

Pool

About this home

Yulee

Welcome to 86237 Mainline Road, a spacious 4-bedroom, 2.5-bath home offering 2,206 square feet of living space in the desirable Nassau Crossing community of Yulee. Built in 2020, this two-story home features an inviting, open-concept layout designed for both everyday living and entertaining. Inside, you'll find an eat-in kitchen with pantry, spacious living areas, and plenty of room for family and guests. The home also features walk-in closets, vaulted ceilings, central air, and a combination of tile on the first floor and carpet on the second floor. An attached 2-car garage provides convenient parking and additional storage. Ideally located in Yulee, Nassau Crossing offers convenient access to shopping, dining, schools, and everyday necessities, while the beaches and attractions of Amelia Island are just a short drive away. With four bedrooms, generous living space, and a newer construction design, 86237 Mainline Road is ready to welcome its next owner.

Cost to own

Mortgage calculator

Home Price

$365,000

Down Payment: 20%

$73,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,875

Principal & Interest: $1,875

Property taxes (est.): $504

Insurance (est.): $243

Estimated Total Monthly

$2,622

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,875

Property taxesest. at asking price, Nassau County$504

HOAbilled annually$49

Estimated total, before insurance$2,428/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,538/yr · $295/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): $3,538/yr

Estimated taxes if purchased at asking price: ~$6,000/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 F

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

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,317 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