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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 Blackrock Hammock, Yulee — a gated community home on Amelia Island.

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Active

$875,0003 bd · 2.5 ba · 3,028 sq ft

Active·Listed today·Blackrock Hammock

96360 Southern Lily Drive

Yulee, FL 32097

$875,000$289/sqftEst. $4,770/mo mortgageMLS# 2172561
3
Beds
2.5
Baths
3,028
Sq Ft
2021
Built
2
Garage
No
Pool

2 more homes for sale in Blackrock Hammock →Search Blackrock Hammock on the map

FEMA Zone XHOA $158/mo1.04 acresSingle 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

Blackrock Hammock

Custom-built modern farmhouse on OVER AN ACRE in the exclusive gated community of Blackrock Hammock. Situated on a beautifully landscaped corner lot, this single-level home combines timeless architecture, refined finishes, and exceptional indoor-outdoor living. A classic front porch welcomes you into the expansive open floor plan designed for effortless entertaining with luxury vinyl flooring, plantation shutters, and recessed lighting. Positioned near the entry, a formal dining room and private office offer dedicated spaces for entertaining and working from home. The grand living room impresses with an elegant coffered ceiling and abundant natural lighting. Oversized sliding glass doors open to an extraordinary screened lanai, where a covered, tiled sitting area transitions into an expansive paver courtyard with ample space for outdoor entertaining and room for a future pool.

Next steps in Blackrock Hammock

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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$4,770
Property taxesest. at asking price, Nassau County$1,208
HOAbilled semi-annually$158
Estimated total, before insurance$6,137/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

$875,000
$175,000
Loan Term
Monthly Payment
$4,770
Principal & Interest: $4,770
Property taxes (est.): $1,208
Insurance (est.): $583
Estimated Total Monthly
$6,562
*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 1-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 E

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

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,742 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 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.

History

Price & status history

  • Nov 6, 2026Listed$875,000

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 $289/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
96235 Sweetbriar Lane, Yulee, FL 32097Listed by COMPASS FLORIDA LLCJul 2026$510,000$2404/22,127630.5
96899 McGirts Creek Loop, Yulee, FL 32097Listed by DREES REALTYJun 2026$599,990$2034/32,953560.5
83029 Dowitcher Place, Yulee, FL 32097Listed by EXP REALTY LLCJun 2026$560,000$1745/43,217790.6
96069 Breezeway Court, Yulee, FL 32097Listed by REDFIN CORPORATIONSep 2026$550,000$2214/32,494360.7
96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$569,990$2056/42,7823831
96160 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSAug 2026$599,990$1805/43,3273411

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$875,000
Price / Sq Ft$289
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage3,028
Acres1.04 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address96360 Southern Lily Drive, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionBlackrock Hammock
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size45,302.4 sq ft
Lot Dimensions150x300
Parcel Number50-3N-28-016B-0026-0000
ZoningResidential

Amenities

AmenitiesBasketball Court, Gated, Pickleball, Tennis Court(s)
Community FeaturesGated
UtilitiesCable Available, Electricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Garage

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Front Porch, Patio, Screened
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedNovember 6, 2026
Days on Market0
HOA Fees$950 / Semi-Annually
HOA FrequencySemi-Annually
HOA Fee IncludesMaintenance Grounds
Listing TermsCash, Conventional, 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 Blackrock Hammock

Blackrock Hammock is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.

View all Blackrock Hammock 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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