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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Nassau Crossing, Yulee — a home near Yulee High School.

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Active·45 days on market·Nassau Crossing

86830 Iron Rail Court

Yulee, FL 32097

$405,000$184/sqftEst. $2,226/mo mortgageMLS# 2163552
↓ $10,000 below original list
4
Beds
2.5
Baths
2,198
Sq Ft
2022
Built
2
Garage
No
Pool

5 more homes for sale in Nassau Crossing →Search Nassau Crossing on the map

FEMA Zone XHOA $50/mo4,792 sqft lotSingle Family Residence2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Nassau Crossing

WELCOME HOME to 86830 Iron Rail Ct in the desirable Nassau Crossing community of Yulee! This beautiful home combines comfort, convenience, and an ideal location--without the added expense of a CDD fee! The thoughtfully designed layout provides functional living spaces perfect for everyday living, entertaining, and making lasting memories. Location is a major highlight! Enjoy convenient access to shopping, restaurants, schools, I-95, and everything the rapidly growing Yulee area has to offer. Commuters will appreciate easy access to Jacksonville and Kings Bay, while weekends can be spent exploring historic Fernandina Beach, Amelia Island, and Northeast Florida's beautiful coastline. Don't miss your opportunity to make 86830 Iron Rail Ct your new address. Schedule your private showing today and experience everything this Yulee home has to offer!

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$2,226
Property taxesest. at asking price, Nassau County$559
HOAbilled annually$50
Estimated total, before insurance$2,835/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,345/yr · $362/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$405,000
$81,000
Loan Term
Monthly Payment
$2,226
Principal & Interest: $2,226
Property taxes (est.): $559
Insurance (est.): $270
Estimated Total Monthly
$3,055
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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: material not specified — year not disclosed (home built 2022)

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

Solar potential: ~1,382 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 September 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.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,345/yr

Estimated taxes if purchased at asking price: ~$6,700/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.

History

Price & status history

  • Oct 1, 2026Price change$405,000−$10,000
  • Sep 7, 2026Active$415,000
  • Sep 4, 2026Listed$415,000

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 $191/sq ft; this home is listed at $184/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
86451 Nassau Crossing Way, Yulee, FL 32097Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEAug 2026$355,000$1914/21,856900
86237 Mainline Road, Yulee, FL 32097Listed by EXP REALTY LLCSep 2026$370,000$1684/2.52,198100.2
86607 Nassau Crossing Way, Yulee, FL 32097Listed by SUMMER HOUSE REALTYAug 2026$330,000$1784/21,856360.2
86221 Express Court, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$365,000$2144/21,70560.3
86209 Vegas Boulevard, Yulee, FL 32097Listed by HOVER GIRL PROPERTIESSep 2026$225,000$1333/21,69410.7
86010 Osheas Place, Yulee, FL 32097Listed by FIRST COAST HEROES REAL ESTATE LLCJul 2026$359,000$1993/21,806460.7

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

Price$405,000
Price / Sq Ft$184
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,198
Acres0.11 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleA-Frame
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryWildlight
MiddleYulee
HighYulee

Community Information

Address86830 Iron Rail Court, Yulee, FL 32097
Area481-Nassau County-Yulee South
SubdivisionNassau Crossing
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size4,791.6 sq ft
Parcel Number422N27109001540000
ZoningResidential

Amenities

UtilitiesElectricity Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, On Street

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Pantry
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup

Additional Information

Date ListedSeptember 7, 2026
Days on Market24
HOA Fees$600 / Annually
HOA FrequencyAnnually
Tax Amount$4,344.87
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THRESHOLD REALTY AND MORTGAGE GROUP

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.

The neighborhood

About Nassau Crossing

Nassau Crossing is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.

View all Nassau Crossing homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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