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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 Pirates Wood, Yulee — a home near Yulee High School.

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Active·Listed today·Pirates Wood

97002 Jose Gaspar Way

Yulee, FL 32097

$895,000$244/sqftEst. $4,957/moMLS# 2168840
3
Beds
3
Baths
3,671
Sq Ft
2023
Built
2
Garage
No
Pool

4 more homes for sale in Pirates Wood →Search Pirates Wood on the map

HOA $33/mo1.02 acresSingle Family Residence1 storyNew construction

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

About this home

Pirates Wood

Custom ALL BRICK Estate in NASSAU COUNTY, offering 3,671 square feet of thoughtfully designed living space on a private 1.02-acre, cul-de-sac lot in the highly sought-after Pirates Wood community. This unique WATERFRONT, Golf Cart-friendly Community provides the perfect blend of COASTAL LIVING. Inside the home, soaring ceilings create an impressive sense of space, while numerous upgrades showcase exceptional craftsmanship throughout. The gourmet kitchen is a chef's dream, featuring premium stainless steel KitchenAid appliances, gas cooking, granite countertops, 42-inch maple cabinetry, & high-end cabinet lighting. Designed for flexibility & comfort, the home boasts two owner's suites, making it ideal for multi-generational living or accommodating guests. Luxury vinyl plank flooring flows throughout the home, complemented by beautifully appointed TILED bathrooms & custom finishes at every turn. Step outside to enjoy extended outdoor living on oversized covered porches. Don't wait!

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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 · 7.4% · 30yr$4,957
Property taxesest. at asking price, Nassau County$1,236
HOAbilled semi-annually$33
Estimated total, before insurance$6,226/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$895,000
$179,000
Loan Term
Monthly Payment
$4,957
Principal & Interest: $4,957
Property taxes (est.): $1,236
Insurance (est.): $597
Estimated Total Monthly
$6,790
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,583 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

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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:26 AM, sunset 6:58 PM.

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$789,361$789,361—
2024$759,788$718,352—
2023$100,000$53,240—
2022$60,000$48,400—
2021$44,000$44,000—
2020$44,000$44,000—

Estimated taxes if purchased at asking price: ~$14,800/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 (2025), NEFMLS.

History

Price & status history

  • Oct 12, 2026Listed$895,000

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 $244/sq ft; this home is listed at $244/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
97265 Castle Ridge Drive, Yulee, FL 32097Listed by FLORIDA HOMES REALTY & MTG LLCJun 2026$625,000$2175/32,883400.5
28903 Grandview Manor, Yulee, FL 32097Listed by SUMMER HOUSE REALTYSep 2026$890,000$3104/32,8731350.8
97014 Yorkshire Drive, Yulee, FL 32097Listed by IV LEAGUE REALTY LLCJun 2025$580,000$1486/4.53,932961
628 Sandy Bluff Drive 0036, Yulee, FL 32097Listed by MONOGRAM REALTY INCJul 2026$924,840$2615/43,54901.2
96899 McGirts Creek Loop, Yulee, FL 32097Listed by DREES REALTYJun 2026$599,990$2034/32,953561.2
662 Sandy Bluff Drive 0032, Yulee, FL 32097Listed by MONOGRAM REALTY INCJun 2026$690,450$2444/32,82701.3

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$895,000
Price / Sq Ft$244
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage3,671
Acres1.02 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesNortheast

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address97002 Jose Gaspar Way, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionPirates Wood
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size44,431.2 sq ft
Lot Dimensions142x352x156x308
Parcel Number43-3N-28-509A-0034-0000
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Boat Launch, Clubhouse, Maintenance Grounds, Park, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingGarage, Garage Door Opener, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Water Heater, Gas Cooktop, Gas Oven, Ice Maker, Microwave, Refrigerator, Wine Cooler
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric, Multi Units
FlooringTile
FireplaceNo
# of Fireplaces0
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac, Dead End Street
Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch
FencingFenced, Back Yard, Privacy, Wood
RoofShingle
ConstructionBrick
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedOctober 12, 2026
Days on Market0
HOA Fees$200 / Semi-Annually
HOA FrequencySemi-Annually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: FERNANDINA BEACH 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.

The neighborhood

About Pirates Wood

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

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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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