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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$850,000

97260 PIRATES POINT Road, Yulee, FL 32097, Yulee, FL 32097

Pirates Wood

Price
$850,000
Beds / Baths
3 / 2
Living area
2,114 sqft
Year built
1988
Type
Residential
Lot
0.72 ac
Garage
2
HOA
$33/mo
CDD
No
Flood zone
Unknown
County
Nassau
Days on market
41

$402/sqft asking, vs a $186/sqft median across 933 closed sales in 32097 over the last 12 months — 116% above the area's closed prices. Condition and lot vary; that's what a showing is for.

WATERFRONT LIVING TAKES CENTER STAGE in this FULLY RENOVATED Pirate's Wood home with SWEEPING WATER VIEWS punctuated by THRIVING MARSH, A PRIVATE DOCK, BOAT LIFT AND NAVIGABLE ACCESS TO DEEP WATER, placing the OPEN OCEAN within easy reach. SET ON .72 ACRES WITH APPROXIMATELY 110 FEET OF RIVER FRONTAGE, this is a rare chance to enjoy BOATING, FISHING AND WILDLIFE from your own backyard, with redfish, sea trout, flounder, bass and more in these waters, plus frequent sightings of pelicans, ospreys, eagles and other coastal birdlife. Inside, the OPEN-CONCEPT LAYOUT has been EXTENSIVELY RENOVATED with a refined eye for quality, including OAK HARDWOOD FLOORS, a RENOVATED KITCHEN with quartz surfaces, generous island seating and an overflow pantry, plus BEAUTIFULLY UPDATED BATHS. The primary suite opens to a stylish PRIVATE SUNROOM OVERLOOKING THE WATER AND MARSH, an serene retreat that could also serve as an inspiring HOME OFFICE. The living area flows to a SCREENED PORCH and NEWER BACK DECK for effortless indoor-outdoor living. Additional major improvements include a NEW HVAC, updated interior and exterior paint, rebuilt deck, refreshed sunroom and screened porch, newer dock walkways and railings, and a NEW CARPORT/BOATPORT, to name a few. Pirate's Wood is an ESTABLISHED WATERFRONT COMMUNITY SHAPED BY MOSS-DRAPED OAKS, PALMS, MARSH AND RIVER, with a low HOA, no CDD fees, community pool, clubhouse, playground, fishing pier and DEEP-WATER BOAT LAUNCH. All of this is just minutes from AWARD-WINNING BEACHES and the dining, shopping and nostalgic charm of HISTORIC FERNANDINA.

What to check on this one

  • Verify roof age and obtain 4-point inspection—home is 38 years old.
  • Confirm flood zone designation and obtain elevation certificate for waterfront property.
  • Request dock, boat lift, and bulkhead inspection by marine surveyor.
  • Verify HVAC installation date and get maintenance records.
  • Obtain septic system inspection and service history for this age/waterfront location.
  • Request all renovation permits and final inspections from Nassau County.

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$4,410/mo
Property tax (1.1% eff., Nassau Co.)$779/mo
Homeowners insurance (est.)$496/mo
HOA$33/mo
All-in monthly (est.)$5,718/mo

Loan $680,000 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 CENTURY 21 MILLER ELITE LLC. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 2:25 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.