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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 — a waterfront home in Nassau County.

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Active

Active·10 days on market

87082 Haven Road

Yulee, FL 32097

$399,999$185/sqftEst. $2,198/mo mortgageMLS# 2169227
4
Beds
3
Baths
2,160
Sq Ft
2022
Built
—
Garage
No
Pool
FEMA Zone XNo HOA1.56 acresWaterfrontSingle Family Residence1 story

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

About this home

Yulee

Enjoy the space and possibilities this Yulee property has to offer! This 4 bedroom 3 bath home is situated on approximately 1.56 acres. No HOA or CDD Fees here so bring your boat, RV, or even your toys. The home has a living room along with a Flex Space, perfect for an office, a sitting room, or even a game room. This home offers a spacious, versatile floor plan. The kitchen offers dark modern cabinetry, sleek countertops, and a large island to be able to enjoy. Also in the ceiling area of the kitchen you have the wooden beams to give it that extra touch. Beautiful vinyl plank flooring throughout. The bedrooms have carpet to give you warm cozy feel when you get out of bed in the mornings. The property features a fenced-in backyard, a pond in the front yard, and an additional pond beyond the fenced back yard, adding a unique touch to the outdoor setting. A detached shed provides extra storage space for tools, equipment, and outdoor essentials. Call and schedule your appointment today!

Next steps in Yulee

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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$2,198
Property taxesest. at asking price, Nassau County$552
Estimated total, before insurance$2,750/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,684/yr · $390/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

$399,999
$80,000
Loan Term
Monthly Payment
$2,198
Principal & Interest: $2,198
Property taxes (est.): $552
Insurance (est.): $267
Estimated Total Monthly
$3,017
*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 D

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

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,633 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 October 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): $4,684/yr

Estimated taxes if purchased at asking price: ~$6,600/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 15, 2026Active$399,999
  • Oct 9, 2026Listed$399,999

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 $211/sq ft; this home is listed at $185/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
87233 Kipling Drive, Yulee, FL 32097Listed by COLDWELL BANKER THE AMELIA GROUPOct 2026$335,000$1504/2.52,2352380.3
125 Vista Bluff Lane 0004, Yulee, FL 32097Listed by MONOGRAM REALTY INCAug 2026$550,000$2583/2.52,135900.3
352 Sandy Bluff Drive 0065, Yulee, FL 32097Listed by MONOGRAM REALTY INCAug 2026$624,900$2554/3.52,455700.3
97106 Yorkshire Drive, Yulee, FL 32097Listed by CHAD AND SANDY REAL ESTATE GROUPJun 2026$341,000$1344/22,54170.4
97646 Bluff View Circle, Yulee, FL 32097Listed by KELLER WILLIAMS ST JOHNSJul 2026$367,500$1794/22,055670.6
97363 Yorkshire Drive, Yulee, FL 32097Listed by CRYSTAL CLEAR REALTY, LLCMay 2026$554,490$2115/32,6251120.6

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$399,999
Price / Sq Ft$185
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,160
Acres1.56 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
StatusActive
Has PoolNo
Is WaterfrontYes

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address87082 Haven Road, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionHaven Gardens
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size67,953.6 sq ft
Lot Dimensions135x491.27
Parcel Number38-3N-27-4690-0032-0000
ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingOther, Off Street
ViewPond, Trees/Woods
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet
FireplaceNo
# of Fireplaces0
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionMany Trees, Wooded
Patio / PorchFront Porch, Rear Porch
FencingBack Yard, Privacy
RoofShingle
ConstructionComposition Siding, Frame, Stone, Stucco
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageUnimproved

Additional Information

Date ListedOctober 15, 2026
Days on Market0
Tax Amount$4,684.12
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

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.

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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