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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 Sandy Ridge, Yulee — a home near Yulee High School.

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Active

Active·2 days on market·Sandy Ridge

85300 Sandy Ridge Loop

Yulee, FL 32097

$598,800$219/sqftEst. $3,317/moMLS# 2169328
4
Beds
3
Baths
2,736
Sq Ft
2024
Built
3
Garage
No
Pool

2 more homes for sale in Sandy Ridge →Search Sandy Ridge on the map

FEMA Zone XHOA $100/mo13,704 sqft lotSingle 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

Sandy Ridge

Experience Modern coastal Florida Living in this turnkey, single-story retreat built in 2024 & set within a gated community of 89 homesites. Spanning 2,736 sq ft, this 4-bed, 3-bath home delivers effortless style with zero carpet, featuring continuous designer tile and LVP in the owner's suite. The chef's kitchen impresses with an oversized refrigerator, massive center island, and multiple walls of custom storage cabinetry with extended prep counters. Three of the four bedrooms feature generous walk-in closets. Step outside to your private retreat: a screened lanai with an epoxy-coated floor, a 6-person Jacuzzi (installed 2025), and a fully fenced backyard ready for pets, play, or a future pool. A 3-car garage includes a dedicated workshop/storage bay along with extended paver driveway and walkways. Enjoy rare financial value with NO CDD fees, a low $100/month HOA, top-rated schools, and quick access to Amelia Island Beaches, JAX Airport, and Kings Bay Base.

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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$3,317
Property taxesest. at asking price, Nassau County$827
HOAbilled annually$100
Estimated total, before insurance$4,243/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

$598,800
$119,760
Loan Term
Monthly Payment
$3,317
Principal & Interest: $3,317
Property taxes (est.): $827
Insurance (est.): $399
Estimated Total Monthly
$4,543
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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: Shingle — year not disclosed (home built 2024)

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

Solar potential: ~1,757 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 and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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 15, 2026Listed$598,800

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 $226/sq ft; this home is listed at $219/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
85417 Sandy Ridge Loop 0084, Yulee, FL 32097Listed by MONOGRAM REALTY INCSep 2026$467,500$2154/22,1712870.1
85350 Sandy Ridge Loop 0039, Yulee, FL 32097Listed by MONOGRAM REALTY INCJul 2026$490,900$2264/22,1711100.1
85228 Sandy Ridge Loop 0025, Yulee, FL 32097Listed by MONOGRAM REALTY INCJun 2026$539,500$2314/32,3401050.1
86299 Evergreen Place, Yulee, FL 32097Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAAug 2026$440,000$1844/32,388180.2
85148 Sandy Ridge Loop 0017, Yulee, FL 32097Listed by MONOGRAM REALTY INCJun 2026$556,000$2034/32,736820.2
85949 Miner Pines Court, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$755,000$2984/32,53120.5

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$598,800
Price / Sq Ft$219
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,736
Acres0.31 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address85300 Sandy Ridge Loop, Yulee, FL 32097
Area481-Nassau County-Yulee South
SubdivisionSandy Ridge
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size13,703.98 sq ft
Lot Dimensions75' x 120'
Parcel Number42-2N-27-1095-0034-0000
ZoningPUD

Amenities

AmenitiesDog Park, Gated, Park
Community FeaturesSidewalks, Gated, Curbs
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther, Attached, Garage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Other
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
Spa FeaturesHeated, Above Ground, Private

Exterior

Patio / PorchCovered, Front Porch, Patio, Rear Porch, Screened
FencingFenced, Back Yard, Full, Vinyl
RoofShingle
ConstructionOther, Fiber Cement

Additional Information

Date ListedOctober 15, 2026
Days on Market0
HOA Fees$1,200 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

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 Sandy Ridge

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

View all Sandy Ridge 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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