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Active·4 days on market

96144 Opal Avenue

Yulee, FL 32097

$799,000Est. $4,103/moMLS# 2160456

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Yulee

Build the waterfront estate you've always imagined on one of Nassau County's most exceptional homesites. Encompassing 3.39 acres with approximately 1.1 acres of buildable land, this rare property offers the privacy and space to create a one-of-a-kind coastal retreat. Nestled along the peaceful waters of Lanceford Creek, the homesite offers deep water access with the opportunity to build your own private dock. Enjoy breathtaking sunrises, boating, fishing, and easy access to the Intracoastal Waterway. Surrounded by mature trees and natural beauty, the property offers exceptional privacy with room for a custom residence, outdoor living spaces, pool, detached garage, or guest house. Located just 7 miles from Amelia Island's beaches and minutes from historic downtown Fernandina Beach, shopping, and dining, this homesite offers a rare combination of waterfront living, acreage, privacy, and convenience.

Cost to own

Mortgage calculator

Home Price

$799,000

Down Payment: 20%

$159,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,103

Principal & Interest: $4,103

Property taxes (est.): $1,103

Insurance (est.): $533

Estimated Total Monthly

$5,739

*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$4,103

Property taxesest. at asking price, Nassau County$1,103

Estimated total, before insurance$5,206/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.

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: material not specified

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

Solar potential: ~1,643 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 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