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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 Yulee.

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Active

Active·10 days on market

85231 Linda Road

Yulee, FL 32097

$185,000$168/sqftEst. $988/moMLS# 2165676
3
Beds
2
Baths
1,104
Sq Ft
1976
Built
—
Garage
No
Pool
FEMA Zone XNo HOA1.00 acresManufactured Home1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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

About this home

Yulee

1-acre lot in Yulee with a 3 bed, 2 bath 1976 mobile home, carport, and shed. Shared well; septic. Being sold as-is. Room to site a new home. Flood Zone X. Easy access to A1A and nearby boat ramps.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$988
Property taxesest. at asking price, Nassau County$255
Estimated total, before insurance$1,243/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,547/yr · $129/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

$185,000
$37,000
Loan Term
Monthly Payment
$988
Principal & Interest: $988
Property taxes (est.): $255
Insurance (est.): $123
Estimated Total Monthly
$1,366
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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 E

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

Roof: material not specified — year not disclosed (home built 1976)

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: ~1,141 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,547/yr

Estimated taxes if purchased at asking price: ~$3,100/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

  • Sep 20, 2026Listed$185,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$185,000
Price / Sq Ft$168
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,104
Acres1.00 acres
Year Built1976
TypeResidential
Sub-TypeManufactured Home
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address85231 Linda Road, Yulee, FL 32097
Area481-Nassau County-Yulee South
SubdivisionYulee
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size43,560 sq ft
Parcel Number432N27464300480000

Amenities

UtilitiesElectricity Connected
Water SourceShared Well
ParkingOther, Off Street

Interior

AppliancesElectric Cooktop, Electric Range, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1

Additional Information

Date ListedSeptember 20, 2026
Days on Market9
Tax Amount$1,546.92
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM 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

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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