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Active

Active·1 day on market

85502 N Harts Road

Yulee, FL 32097

$395,000$173/sqftEst. $2,188/moMLS# 2169702

Beds

2.5

Baths

2,280

Sq Ft

2000

Built

—

Garage

Pool

FEMA Zone XNo HOASingle Family Residence1 story

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Want to walk through this home this week?

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.

Call (904) 709-7917 Text Krista

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

About this home

Yulee

This Fixer Upper awaits you on this beautiful 3.34-acre homesite in one of Yulee's fastest-growing areas! High and dry and surrounded by mature trees, this property features a large pond, power pole, well, and septic. Just minutes from William Burgess, local parks, the new splash pad, shopping, and restaurants, with easy access to Jacksonville via US-17. Located in the highly desirable Wildlight school district and surrounded by exciting new residential and commercial development, this is a rare opportunity to own acreage in one of Northeast Florida's fastest-growing communities. Build now or invest for the future!

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 · 7.4% · 30yr$2,188

Property taxesest. at asking price, Nassau County$545

Estimated total, before insurance$2,733/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

Home Price

$395,000

Down Payment: 20%

$79,000

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,188

Principal & Interest: $2,188

Property taxes (est.): $545

Insurance (est.): $263

Estimated Total Monthly

$2,997

*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 2000)

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

Solar potential: ~1,620 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.

Closest beach parking
Scott Road Beach Access
about 9 mi · 100 parking spaces
Closest park or preserve
Egans Creek Greenway
about 11 mi · 3.6 mi of trails
Closest public boat ramp
John F. Claxton (aka. Wilson Neck) Boat Ramp
about 2 mi · Nassau River
Closest kayak & paddleboard launch
Four Creeks State Forest – Boggy Creek Landing Canoe Access
about 7 mi · Boggy Creek
Closest youth league fields
Tom Marshall Park
about 9 mi · Baseball, Football, Softball

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 16, 2026Listed$395,000

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 $197/sq ft; this home is listed at $173/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
77021 Birdseye Court, Yulee, FL 32097Listed by LA ROSA REALTY JACKSONVILLE, LLC.	Aug 2026	$365,000	$197	4/2	1,854	172	0.5
85559 Winona Bayview Road, Yulee, FL 32097Listed by MARK SPAIN REAL ESTATE	Jul 2026	$478,000	$218	5/3	2,188	31	0.5
77727 Lumber Creek Boulevard, Yulee, FL 32097Listed by COMPASS FLORIDA LLC	Aug 2026	$355,000	$193	4/2	1,842	85	0.6
86572 Lazy Lake Circle, Yulee, FL 32097Listed by HOVER GIRL PROPERTIES	Oct 2026	$365,000	$192	3/2	1,904	70	0.8
86642 Serenity Lake Court, Yulee, FL 32097Listed by REAL BROKER LLC	Aug 2026	$399,000	$192	4/3	2,078	21	0.8
86636 Serenity Lake Court, Yulee, FL 32097Listed by LPT REALTY LLC	Jul 2026	$349,000	$203	3/2	1,721	105	0.8

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$395,000

Price / Sq Ft$173

Bedrooms5

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,280

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address85502 N Harts Road, Yulee, FL 32097

Area481-Nassau County-Yulee South

SubdivisionMetes & Bounds

CityYulee

CountyNassau

StateFL

Zip Code32097

Parcel Number42-2N-27-4487-0034-0000

Amenities

UtilitiesCable Available

SewerSeptic Tank

Water SourceWell

ParkingShared Driveway

Interior

Interior FeaturesOther

AppliancesOther

HeatingCentral

CoolingCentral Air

# of Stories1

Exterior

RoofShingle

ConstructionVinyl Siding

Additional Information

Date ListedOctober 17, 2026

Days on Market0

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS

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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