This home is in Yulee.
Active·64 days on market
96095 Gravel Creek Dr Drive
Yulee, FL 32097
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Yulee
USDA LOAN-ELIGIBLE PROPERTY + $10,000 SELLER-PAID RATE BUYDOWN! Qualified buyers may enjoy ZERO DOWN PAYMENT financing, while sellers are offering $10,000 toward an interest rate buydown, helping you KEEP MORE CASH IN YOUR POCKET AT CLOSING and REDUCE YOUR MONTHLY MORTGAGE PAYMENT! Call your lender today to see if you qualify & learn more about USDA financing! CUSTOM-BUILT HOME ON RARE HALF ACRE LOT IN YULEE! This 3BR/2BA home offers 2109 sqft plus a dedicated office with 4th bedroom potential. Bring your BOAT OR RV! Ample parking and potential boat/RV storage building, subject to approvals. SURVEY AVAILABLE! Oversized 2-car garage,fenced yard,screened porch, deck, fire pit and play area. INDOOR LAUNDRY-WASHER & DRYER INCLUDED and separate garage entrance—ideal after a day enjoying the Florida outdoors! Vaulted ceilings, granite counters, upgraded cabinetry and propane fireplace. 210-FT ARTESIAN WELL providing delicious drinking water, septic, 7-zone irrigation, LOW $450/yr HOA NO CDD!
Next steps in Yulee
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: material not specified — year not disclosed (home built 2014)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,762 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Beach access 30, S Fletcher Ave. & Simmons Rd.about 5 mi · 10 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 6 mi · 3.6 mi of trails
Closest public boat ramp
Melton Nelson Park and Boat Rampabout 3 mi · Lofton Creek
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 6 mi · Egan's Creek
Closest grocery store
Publixabout 1 mi · 463855 State Road 200, Yulee
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
History
Price & status history
- Oct 12, 2026Price change$563,000−$5,000
- Aug 26, 2026Price change$568,000−$20,000
- Aug 21, 2026Listed$588,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $202/sq ft; this home is listed at $267/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 97564 Albatross Drive, Yulee, FL 32097Listed by SHRIMP CAPITAL REALTY | Aug 2026 | $368,000 | $184 | 4/2 | 1,997 | 235 | 0.5 |
| 94011 Last Lane, Yulee, FL 32097Listed by ENTERA REALTY LLC | Sep 2026 | $299,900 | $198 | 4/2 | 1,514 | 55 | 0.6 |
| 97519 Albatross Drive, Yulee, FL 32097Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $365,000 | $183 | 4/2 | 1,997 | 234 | 0.6 |
| 96077 Out Creek Way, Yulee, FL 32097Listed by DIAMOND REALTY GROUP OF AMELIA ISLAND | Aug 2026 | $335,000 | $223 | 3/2 | 1,504 | 12 | 0.7 |
| 96398 Commodore Point Drive, Yulee, FL 32097Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $415,000 | $234 | 4/2 | 1,770 | 36 | 0.8 |
| 96034 Bass Lane, Yulee, FL 32097Listed by PREMIER COASTAL PROPERTIES, LLC | Jul 2026 | $315,000 | $202 | 3/2 | 1,557 | 53 | 0.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: PORZIG REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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