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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 waterfront home in Nassau County.

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Active

$609,0004 bd · 3 ba · 2,911 sq ft

Active·5 days on market·Pirates Wood

96089 Crews Creek Avenue

Yulee, FL 32097

$609,000$209/sqftEst. $3,320/mo mortgageMLS# 2172259
4
Beds
3
Baths
2,911
Sq Ft
1960
Built
—
Garage
No
Pool

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

FEMA Zone XNo HOA2.70 acresWaterfrontSingle 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

Pirates Wood

HORSE LOVERS, BEACH LOVERS & COUNTRY LIVING — JUST 7 MILES FROM THE BEACH! Discover a rare opportunity to enjoy space, privacy, and coastal convenience on 2.7 acres! This unique 4-bedroom, 3-bath property offers the perfect setting for horse enthusiasts, hobby farmers, or anyone seeking room to spread out while staying close to the beach. The property features a barn with three existing horse stalls, two gated pastures, a tack room, and a secure 22' x 22' storage building. A private pond sits in the back northwest corner of the property, adding to the peaceful outdoor setting. Inside, you'll find hardwood and Travertine tile flooring, tongue-and-groove walls and ceilings, and newer appliances in the main kitchen. The main home and in-law suite are connected by a 20-foot hallway that includes the utility and laundry room, offering a versatile layout with additional living space. Additional features include a metal roof, two HVAC systems installed in 2018, two septic tanks

Next steps in Pirates Wood

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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 · 7.24% · 30yr$3,320
Property taxesest. at asking price, Nassau County$841
Estimated total, before insurance$4,161/mo
Seller’s 2026 tax billper the MLS — includes any CDD / assessments$8,149/yr · $679/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

$609,000
$121,800
Loan Term
Monthly Payment
$3,320
Principal & Interest: $3,320
Property taxes (est.): $841
Insurance (est.): $406
Estimated Total Monthly
$4,567
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 (the whole 2.7-acre lot)

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: Metal — year not disclosed (home built 1960)

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: ~1,691 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.

As of November 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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

2026 property taxes (current owner): $8,149/yr

Estimated taxes if purchased at asking price: ~$10,100/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

  • Nov 4, 2026Listed$609,000

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 $205/sq ft; this home is listed at $209/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$569,990$2056/42,7823830.3
96160 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSAug 2026$599,990$1805/43,3273410.3
96136 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSJul 2026$589,900$1775/43,3272580.3
96266 Dowling Drive, Yulee, FL 32097Listed by SUMMER HOUSE REALTYJul 2026$1,310,000$3556/53,68750.6
97500 Albatross Drive, Yulee, FL 32097Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEJul 2026$335,000$1295/32,595800.6
96069 Breezeway Court, Yulee, FL 32097Listed by REDFIN CORPORATIONSep 2026$550,000$2214/32,494360.8

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$609,000
Price / Sq Ft$209
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,911
Acres2.70 acres
Year Built1960
TypeResidential
Sub-TypeSingle Family Residence
StyleMulti Generational
StatusActive
# of Carport Spaces2
Has PoolNo
Is WaterfrontYes

School Information

County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address96089 Crews Creek Avenue, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionPirates Wood
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size117,612 sq ft
Parcel Number50-3N-28-0000-0027-0010
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available
SewerSeptic Tank
Water SourceWell
ParkingCarport
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), In-Law Floorplan
AppliancesDryer, Electric Cooktop, Refrigerator, Washer, Water Softener Owned, Water Softener Rented
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories1
LevelsOne

Exterior

Lot DescriptionFarm
FencingFull
RoofMetal
ConstructionWood Siding
Other StructuresBarn(s), Stable(s)

Additional Information

Date ListedNovember 4, 2026
Days on Market5
Tax Amount$8,149.21
Tax Year2026
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL 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.

View all Pirates Wood homes for sale →
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