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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$432,801

97236 PIRATES Way, Yulee, FL 32097, Yulee, FL 32097

Pirates Wood

Price
$432,801
Beds / Baths
3 / 2
Living area
1,503 sqft
Year built
1997
Type
Residential
Lot
0.63 ac
Garage
2
HOA
$33/mo
CDD
No
Flood zone
Unknown
County
Nassau
Days on market
95
Elementary
Yulee
Middle
Yulee
High school
Yulee

Sellers said SELL!!! Welcome to this waterfront and golf cart friendly community in the desirable Pirates Woods Estates! This beautifully updated 3 bedroom, 2 bathroom home is situated on .63 acres and offers comfort, convenience, and access to an incredible coastal lifestyle. Recent improvements include fresh interior and exterior paint, new flooring throughout, newer refrigerator and dishwasher, upgraded exterior lighting, and a replaced septic drainfield for added peace of mind. Designed with both everyday living and adventure in mind, the property features a 50-amp exterior generator receptacle with concrete pad, plus a separate 50-amp RV pedestal with water service -- ideal for a full-size RV, boat setup, or additional guest accommodations. Enjoy outstanding HOA amenities including a community activities center, swimming pool, boat launch with parking, and separate gated dock access on the scenic Bells River.

What to check on this one

  • Verify flood zone designation and elevation certificate requirement for Yulee/Nassau County
  • Confirm septic drainfield replacement date, permit, and service records
  • Review Pirates Woods Estates HOA documents, CC&Rs, amenity fees beyond $33/mo
  • Inspect roof age and condition; obtain insurance/4-point inspection report
  • Verify RV pedestal and 50-amp generator receptacle electrical permits and functionality

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$2,246/mo
Property tax (1.1% eff., Nassau Co.)$397/mo
Homeowners insurance (est.)$292/mo
HOA$33/mo
All-in monthly (est.)$2,968/mo

Loan $346,241 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 ATLANTIC SALT REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 15, 2026, 10:30 PM.

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.