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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 Heron Isles, Yulee — a home near Yulee High School.

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Active

$450,0004 bd · 2 ba · 2,001 sq ft

Active·Listed today·Heron Isles

96692 Commodore Point Drive

Yulee, FL 32097

$450,000$225/sqftEst. $2,453/mo mortgageMLS# 2172602
4
Beds
2
Baths
2,001
Sq Ft
2006
Built
2
Garage
Yes
Pool

4 more homes for sale in Heron Isles →Search Heron Isles on the map

FEMA Zone XHOA $8/moSingle Family Residence2 stories

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About this home

Heron Isles

Poolside living meets a wooded backdrop in this Heron Isles home. The fenced backyard pairs a freeform pool and paver deck with a covered patio. Inside, the kitchen's breakfast bar connects to the living and casual dining areas, while a separate dining room adds gathering space. The primary suite offers an organized walk-in closet, dual sinks, a soaking tub, and separate shower. Two additional bedrooms are on the main level. Upstairs, a separate bonus room with vaulted ceilings, a window overlooking the wooded backdrop, and wall-mounted cabinets offers a flexible setting for a home office, hobby room, or media lounge. A built-in hallway desk adds workspace. Updates include roof (2020), A/C (2016), water heater (2022), refrigerator (2018), dishwasher (2016), and carpet (January 2023), plus a replacement pool motor and exterior painting. An interior laundry room, two-car garage, community playgrounds, and nearby State Road 200 shopping round out the home's everyday convenience.

Next steps in Heron Isles

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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$2,453
Property taxesest. at asking price, Nassau County$621
HOAbilled annually$8
Estimated total, before insurance$3,083/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,257/yr · $355/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

$450,000
$90,000
Loan Term
Monthly Payment
$2,453
Principal & Interest: $2,453
Property taxes (est.): $621
Insurance (est.): $300
Estimated Total Monthly
$3,375
*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

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 — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,733 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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard and pool on the northeast side. Today at this address: sunrise 6:46 AM, sunset 5:34 PM.

  • A pool here trades warmth for comfort.
  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,257/yr

Estimated taxes if purchased at asking price: ~$7,500/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 6, 2026Listed$450,000

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 $221/sq ft; this home is listed at $225/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
94011 Last Lane, Yulee, FL 32097Listed by ENTERA REALTY LLCSep 2026$299,900$1984/21,514550.2
97564 Albatross Drive, Yulee, FL 32097Listed by SHRIMP CAPITAL REALTYAug 2026$368,000$1844/21,9972350.2
97519 Albatross Drive, Yulee, FL 32097Listed by MARK SPAIN REAL ESTATEAug 2026$365,000$1834/21,9972340.2
96077 Out Creek Way, Yulee, FL 32097Listed by DIAMOND REALTY GROUP OF AMELIA ISLANDAug 2026$335,000$2233/21,504120.4
96069 Breezeway Court, Yulee, FL 32097Listed by REDFIN CORPORATIONSep 2026$550,000$2214/32,494360.6
96398 Commodore Point Drive, Yulee, FL 32097Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$415,000$2344/21,770360.6

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$450,000
Price / Sq Ft$225
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,001
Total Structure Area2,314 sq ft
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo
Direction FacesSouthwest

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address96692 Commodore Point Drive, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionHeron Isles
CityYulee
CountyNassau
StateFL
Zip Code32097
Parcel Number37-3N-28-0740-0281-0000
ZoningResidential

Amenities

AmenitiesPlayground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
# of Stories2
LevelsOne and One Half
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup
SecuritySecurity System Leased

Exterior

Lot DescriptionIrregular Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio
FencingBack Yard, Vinyl
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedNovember 6, 2026
Days on Market0
HOA Fees$100 / Annually
HOA FrequencyAnnually
HOA NameHeron Isles
Tax Amount$4,256.76
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

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 Heron Isles

Heron Isles is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.

View all Heron Isles homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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