Single Family Residence in Sandy Ridge, Yulee · No CDD on record · Built 2024
Sandy Ridge · Yulee, FL 32097 · Nassau County
Listing data checked against the MLS November 4, 2026 at 5:51 PM ET · rechecked hourly
Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
3Bathrooms
2,736Sq Ft
2024Year Built
$219Per Sq Ft
3-car garageNo CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
in line with
$/sq ft vs community
$219 here vs $219 median sold (12 mo)
Buyer leverage
Strong seller market
18 days on market
2.2 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~22 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 9 of 12
Price vs recent sales
Asking $599k tops 9 of the last 12 closed sales; also one of the largest homes here at 2,736 sq ft
85300 SANDY RIDGE Loop in Sandy Ridge, Yulee is listed at $598,800 (2,736 sq ft, about $219 per sq ft). That is 16% above Sandy Ridge's median closed sale of $516,950 over the last 12 months (16 recorded sales). It has been listed Oct 16, 2026, well inside the community's typical 93 days. Listing facts: built in 2024, HOA dues of $100/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2024 · 2 yrs
2,736 sq ft of living area
3-car garage
Listed at $598,800 — recent neighborhood median sale price ~$516,950 (nearby sales; deemed reliable, not an appraisal)
listed Oct 16, 2026
HOA $100/mo (per listing)
School district: Schools Sandy Ridge is in the Nassau County SchoolCommunity built 2023–2026Starbucks · 4 min driveAldi · 5 min driveOlive Cove Italian Kitchen · 5 min drive
Listing description
About this home
Experience Modern coastal Florida Living in this turnkey, single-story retreat built in 2024 & set within a gated community of 89 homesites. Spanning 2,736 sq ft, this 4-bed, 3-bath home delivers effortless style with zero carpet, featuring continuous designer tile and LVP in the owner's suite. The chef's kitchen impresses with an oversized refrigerator, massive center island, and multiple walls of custom storage cabinetry with extended prep counters.
Three of the four bedrooms feature generous walk-in closets. Step outside to your private retreat: a screened lanai with an epoxy-coated floor, a 6-person Jacuzzi (installed 2025), and a fully fenced backyard ready for pets, play, or a future pool. A 3-car garage includes a dedicated workshop/storage bay along with extended paver driveway and walkways.
Enjoy rare financial value with NO CDD fees, a low $100/month HOA, top-rated schools, and quick access to Amelia Island Beaches, JAX Airport, and Kings Bay Base.
All 50 photos
Description provided by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST and reproduced from the MLS; not independently verified.
6 closed sales in Sandy Ridge in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jan 2026
$590,650
85382 SANDY RIDGE Loop #42, Yulee
4 / 3 bd/ba · 2,736 sq ft · $216/sq ft
Courtesy of MONOGRAM REALTY INC · View details →
Sold Jun 2026
$556,000
85148 SANDY RIDGE Loop #0017, Yulee
4 / 3 bd/ba · 2,736 sq ft · $203/sq ft
Courtesy of MONOGRAM REALTY INC · View details →
Sold Nov 2026
$577,000
85390 SANDY RIDGE Loop, Yulee
4 / 3 bd/ba · 2,732 sq ft · $211/sq ft
Courtesy of ERA ONETEAM REALTY · View details →
Sold Mar 2026
$601,450
85449 SANDY RIDGE Loop #0088, Yulee
4 / 3.5 bd/ba · 3,047 sq ft · $197/sq ft
Courtesy of MONOGRAM REALTY INC · View details →
Sold Jun 2026
$539,500
85228 SANDY RIDGE Loop #0025, Yulee
4 / 3 bd/ba · 2,340 sq ft · $231/sq ft
Courtesy of MONOGRAM REALTY INC · View details →
Sold Jul 2026
$490,900
85350 SANDY RIDGE Loop #0039, Yulee
4 / 2 bd/ba · 2,171 sq ft · $226/sq ft
Courtesy of MONOGRAM REALTY INC · View details →
Median of these 6 sales: $516,950 ($219/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$598,800
Bed / bath4 / 3
Living area2,736 sq ft
Year built2024
Property typeSingle Family Residence
Garage3-car
MLS #2169328
Listing statuslisted Oct 16, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~22 ft
CountyNassau
Area listings3 active · 0 under contract
Estimated first-year tax~$5,629/yr
CDD assessmentNone on record
HOA$100/mo
Calculated estimates
Price per sq ft$219
Estimated monthly payment$3,999
Insurance (illustrative)$2k–$3k/yr
Messtimate range$555,408 – $618,336
Comparable-sales median$516,950
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,999/mo
Principal & interest $3,265/mo82%
Taxes $469/mo12%
Insurance $166/mo4%
HOA $100/mo3%
$3,999/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
What it really costs to own 85300 Sandy Ridge Loop
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
Buy at the asking price of $598,800 and the first-year bill resets to about $7,450/yr (Nassau County total millage 13.2757 with homestead, FY2025-26); Save Our Homes caps later increases at 3%/yr.
HOA dues
$100/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Nassau County is $1,159/yr (389 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2024. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $817/month (tax $621, HOA $100, insurance $97). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$5,629/yr
Estimate: a typical Nassau effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$3k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$100/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~22 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Nassau County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Nassau County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingRelatively Moderate
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Low
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Sandy Ridge
Pricing & the Sandy Ridge market
How this home is priced against recent nearby sales, and where Sandy Ridge has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Sandy Ridge
Each dot is a closed sale since 2023 (39 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2024–2026. This home lists at $219/sq ft.
Median sale price by year
12-month median closed price, 2024–2026.
Property timeline
This home’s history
2024BuiltPer public record
About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Oct 15, 2026)
Oct 15, 2026First seen on movewithmomentum.comObserved at $598,800
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $598,800CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · listed Oct 16, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
61/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
61/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area50
This home $219/sq ft vs the community 12-month median $219/sq ft.
Affordability24
List price $598,800 vs the community median $516,950. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~22 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2024 build. Obtain a property-specific quote.
Market liquidity49
Community median 94 days on market, ~2.2 months of supply (12-month record).
Pricing power68
Recent sales closed at about 94.3% of original asking (~5.7% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 2.2 months of supply in the surrounding market and 18 days on market for this home, against a 94-day area median.Days on market:this home 18Area median: 94 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 10, 2026.
🟡 Asking $219 per square foot, about in line with the community’s $219 median. Sandy Ridge’s 12-month median sold price per square foot is $219. Median sold price per square foot is down 10.2% year over year. Confidence: Medium · 16 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Sandy Ridge sales closed near 94.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending August 10, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in Sandy Ridge, no CDD assessment.
Checked against the MLS November 4, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · MLS # 2169328
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Keep looking
Similar homes for sale near Sandy Ridge
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Infrastructure
Port of Fernandina wins $11M federal grant for wharf and flood-control repairs
The U.S. Maritime Administration's Port Infrastructure Development Program awarded $11 million to the Ocean Highway and Port Authority. The money covers rebuilding the upper and lower wharf, crane rail repairs, an underground stormwater system, paving, railroad crossing repairs and shoreline reinforcement. The article ties it to two roughly $5.5 million needs presented by Relay Terminals in May.
Why it matters: Dock and drainage upgrades support continued port operations and the freight jobs tied to the Fernandina waterfront. The site is about 6 miles northeast of Sandy Ridge.
Nassau committee proposes data center zoning district with no county incentives
A draft county report released Oct. 21 rejects both a ban and the status quo, proposing a new industrial park-data center zoning district, no county incentives or tax abatements, and disclosure of water and power needs. Siting would prioritize proximity to 500-kilovolt transmission lines, and developers would pay infrastructure costs. Workshops run Oct. 26 and Nov. 9, with a Planning and Zoning hearing Dec. 1 and commission hearings Dec. 14 and Jan. 25 under a June moratorium.
Why it matters: The rules will determine where large power-and-water-intensive industrial users can locate in western Nassau, shaping future land use and utility demand. The site is about 3 miles northwest of Sandy Ridge.
Nassau review committee considers up to 350 lots in Wildlight southern planning area
At its Sept. 1 meeting the Development Review Committee reviewed a residential plan for up to 350 single-family lots south of State Road 200 and west of Liberty Cove, in two phases. The committee also reviewed a 167-lot Liberty Cove Phase 2 plat and a Wild Acres Trail extension to a future county park entrance. A comprehensive plan amendment was expected before commissioners around Sept. 14.
Why it matters: Added lots near the SR 200 corridor increase future housing supply in Yulee and Fernandina Beach commuting areas. The site is about 5 miles northwest of Sandy Ridge.
Century Communities adds Hidden Lake and Mills Bridge communities in Nassau County
Century closed on Hidden Lake near Amelia Walk, a planned 275-unit community on 80-foot lots, its second self-developed community in Nassau County. It also plans Mills Bridge, a 144-home community on 40 and 50 foot lots, with sales projected to begin in Q1 2027. Its 247-unit Concourse Crossing in Fernandina Beach sold its last home in Q1 2026.
Why it matters: New-home inventory in the Fernandina Beach area is increasing, with different lot sizes serving different buyer budgets. The site is about 2 miles northeast of Sandy Ridge.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Nassau County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
YuleeAssigned elementary school · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
YuleeAssigned middle school · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
YuleeAssigned high school · Nassau County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Aldi 5 min
Dining
Olive Cove Italian Kitchen 5 min
Shopping
Shoppes at Amelia Concourse 5 min
Parks
Melton O. Nelson Memorial Park 6 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 85300 SANDY RIDGE Loop, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $100/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Nassau County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,736 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $5,629/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: November 4, 2026)
Comparable sales
realMLS closed sales in Sandy Ridge, last 18 months, as of August 10, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 85300 SANDY RIDGE Loop and when was it built?
Per the listing record, 85300 SANDY RIDGE Loop was built in 2024 and has 2,736 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 85300 SANDY RIDGE Loop in?
85300 SANDY RIDGE Loop is in Sandy Ridge in Yulee, Nassau County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 85300 SANDY RIDGE Loop have an HOA, and how much are the dues?
The listing reports HOA dues of $100 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 85300 SANDY RIDGE Loop differ from the current owner's?
The estimate on this page (about $5,629 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 85300 SANDY RIDGE Loop in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
