Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·9 days on market

57022 Alderman Drive

Yulee, FL 32097

$230,000$123/sqftEst. $1,182/moMLS# 2161221

Beds

Baths

1,864

Sq Ft

1977

Built

Garage

Pool

About this home

Yulee

Bring Your Vision to Life in Yulee! This unique Yulee property offers an exciting opportunity for buyers with vision! The home has been reconfigured to offer 2 bedrooms and 1 full bath, with a flexible layout and plenty of potential. Upon entering, you step down into a large living area that connects directly to the garage, creating a spacious central gathering space. The kitchen is located just off another living area and opens to a large patio, offering additional space for entertaining or relaxing. Beyond the kitchen is a smaller room leading to an additional room that could potentially be transformed into a walk-through closet, dressing area, office, flex space, or expanded bedroom area. With some work and creativity, the existing spaces can be transformed to suit your lifestyle. Bring your imagination and create something special!

Cost to own

Mortgage calculator

Home Price

$230,000

Down Payment: 20%

$46,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,182

Principal & Interest: $1,182

Property taxes (est.): $318

Insurance (est.): $153

Estimated Total Monthly

$1,653

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,182

Property taxesest. at asking price, Nassau County$318

Estimated total, before insurance$1,500/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 X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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

Hurricane evacuation zone I

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 1977)

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: ~1,656 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