Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$619,990

96148 PIRATES BLUFF Road, Yulee, FL 32097

Pirates Bluff

Price
$619,990
Beds / Baths
5 / 4
Living area
3,338 sqft
Year built
2025
Type
Residential
Lot
Garage
2
HOA
$83/mo
CDD
No
Flood zone
Unknown
County
Nassau
Days on market
361

$186/sqft asking, vs a $186/sqft median across 933 closed sales in 32097 over the last 12 months — 0% below the area's closed prices. Condition and lot vary; that's what a showing is for.

Take advantage of this Builder's incentive: Adjustable 4.99% ©Jet HomeLoans Valid when closed by September, contact agent with additional questions or review full disclosure in attachments! The Fernandina home plan showcases 5 bedrooms, 4 bathrooms, and 3,338 square feet of thoughtfully designed living space. Its open-concept layout connects the gourmet kitchen, dining area, and living room, creating the ideal setting for gatherings or everyday comfort. Spacious secondary bedrooms offer flexibility for family, guests, or a home office. Complete with a 2-car garage and high-end finishes, this plan delivers a balance of luxury and practicality in one of the area's most desirable communities. Located in Pirates Bluff, a peaceful community close to top schools, shopping, and just a short drive to Amelia Island beaches and I-95.

What to check on this one

  • Confirm flood zone designation and obtain elevation certificate if in AE/VE
  • Verify builder warranty details and transferability to next owner
  • Review HOA $83/mo covenants—check rental restrictions and approval process
  • Inspect new construction for punch-list items and builder completion timeline
  • Confirm builder incentive terms, rate lock expiration, and closing deadline

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$3,217/mo
Property tax (1.1% eff., Nassau Co.)$568/mo
Homeowners insurance (est.)$362/mo
HOA$83/mo
All-in monthly (est.)$4,230/mo

Loan $495,992 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS. Data via realMLS (Northeast Florida MLS), updated Aug 17, 2026, 6:45 AM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.