listed Jul 3, 2025Single Family ResidenceOpen house Sun, Nov 1, 12 PM–3 PM
$599,990
5-Bedroom Home in Pirates Bluff
96040 Pirates Bluff Road, Yulee, FL 32097
Single Family Residence in Pirates Bluff, Yulee · No CDD on record · Built 2025
Pirates Bluff · Yulee, FL 32097 · Nassau County
Listing data checked against the MLS November 1, 2026 at 10:01 AM ET · rechecked hourly
Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
5Bedrooms
4Bathrooms
2,900Sq Ft
2025Year Built
$207Per Sq Ft
3-car garageNew constructionNo CDD on recordFEMA Zone X5 bedrooms
Open house
Sun, Nov 1, 12 PM–3 PM
Times per the listing broker in the MLS; confirm before you go. Updated hourly.
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.
15% above
$/sq ft vs community
$207 here vs $180 median sold (12 mo)
Buyer leverage
Strong buyer advantage
486 days on market
15.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~17 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
96040 PIRATES BLUFF Road in Pirates Bluff, Yulee is listed at $599,990 (2,900 sq ft, about $207 per sq ft). That sits within a few percent of Pirates Bluff's median closed sale of $594,950 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $180/sq ft by about 15%. It has been listed Jul 3, 2025, longer than the community's typical 271 days to contract. Listing facts: new construction, HOA dues of $83/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
New construction — built 2025
2,900 sq ft of living area
3-car garage
Listed at $599,990 — recent neighborhood median sale price ~$594,950 (nearby sales; deemed reliable, not an appraisal)
listed Jul 3, 2025
HOA $83/mo (per listing)
School district: To island beaches Schools Nassau County SchoolsCommunity built 2025–2025Nuanz Coffee Roasters · 2 min driveHuddle House · 4 min drivePublix · 6 min drive
Approximately 2900 square feet of thoughtfully designed living space. This two story home features downstairs primary suite, gourmet kitchen includes a mix of 42'' white and admiral cabinets, quartz countertops, a tile backsplash, 36'' cook-top with stainless vent hood, and a wall oven/microwave combo. A large island anchors the space, making it ideal for entertaining.
Wood-look tile flooring flows through the main living areas. Located in Pirates Bluff, a peaceful community close to nearby schools, shopping, and just a short drive to Amelia Island beaches and I-95.
All 37 photos
Description provided by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS and reproduced from the MLS; not independently verified.
6 closed sales in Pirates Bluff 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 Jun 2026
$600,000
96064 PIRATES BLUFF Road, Yulee
5 / 4 bd/ba · 2,900 sq ft · $207/sq ft
Courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · View details →
Sold Sep 2026
$569,990
96112 PIRATES BLUFF Road, Yulee
6 / 4 bd/ba · 2,782 sq ft · $205/sq ft
Courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · View details →
Sold Aug 2026
$599,990
96160 PIRATES BLUFF Road, Yulee
5 / 4 bd/ba · 3,327 sq ft · $180/sq ft
Courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · View details →
Sold Jul 2026
$589,900
96136 PIRATES BLUFF Road, Yulee
5 / 4 bd/ba · 3,327 sq ft · $177/sq ft
Courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · View details →
Sold May 2026
$580,000
96124 PIRATES BLUFF Road, Yulee
5 / 4 bd/ba · 3,338 sq ft · $174/sq ft
Courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · View details →
Sold Apr 2026
$667,500
96088 PIRATES BLUFF Road, Yulee
6 / 5 bd/ba · 3,644 sq ft · $183/sq ft
Courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · View details →
Median of these 6 sales: $594,950 ($180/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$599,990
Bed / bath5 / 4
Living area2,900 sq ft
Year built2025
Property typeSingle Family Residence
Garage3-car
MLS #2096654
Listing statuslisted Jul 3, 2025
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~17 ft
CountyNassau
Area listings5 active · 0 under contract
Estimated first-year tax~$5,640/yr
CDD assessmentNone on record
HOA$83/mo
Calculated estimates
Price per sq ft$207
Estimated monthly payment$3,986
Insurance (illustrative)$2k–$3k/yr
Messtimate range$513,300 – $594,500
Comparable-sales median$594,950
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
$3,986/mo
Principal & interest $3,271/mo82%
Taxes $470/mo12%
Insurance $162/mo4%
HOA $83/mo2%
$3,986/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
What it really costs to own 96040 Pirates Bluff Road
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 $599,990 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
$83/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 2025. 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 $800/month (tax $621, HOA $83, 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.)
~$5,640/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
$83/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
~17 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 · Pirates Bluff
Pricing & the Pirates Bluff market
How this home is priced against recent nearby sales, and where Pirates Bluff 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.
Property timeline
This home’s history
2025BuiltPer public record
About Jul 2025Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Jul 3, 2025)
Jul 2, 2026First seen on movewithmomentum.comObserved at $599,990
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 $599,990BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · listed Jul 3, 2025
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
57/100
Strongest on: Flood safety (95), Pricing power (88)
0 limited50100 exceptional
57/100 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 area13
This home $207/sq ft vs the community 12-month median $180/sq ft.
Affordability49
List price $599,990 vs the community median $594,950. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~17 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2025 build. Obtain a property-specific quote.
Market liquidity15
Community median 272 days on market, ~15.0 months of supply (12-month record).
Pricing power88
Recent sales closed at about 90.5% of original asking (~9.5% 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
🟢 Buyer-leaning conditions around this listing. 15.0 months of supply in the surrounding market and 486 days on market for this home, against a 272-day area median.Days on market:this home 486Area median: 272 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 $207 per square foot, about 15% above the community’s $180 median. Pirates Bluff’s 12-month median sold price per square foot is $180. Confidence: Low · 4 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 Pirates Bluff sales closed near 90.5% 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 5 active listings in Pirates Bluff, no CDD assessment.
Checked against the MLS November 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · MLS # 2096654
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Keep looking
Similar homes for sale near Pirates Bluff
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.
Sep 2026 · Development
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 3 miles northwest of Pirates Bluff.
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 southeast of Pirates Bluff.
Wildlight subdivision advances in Yulee as the master-planned community expands
Rayonier's Wildlight master-planned community continued adding residential phases in Yulee in mid-2026, part of a long-range plan that pairs new housing with its commerce park and town center near Interstate 95.
Why it matters: Ongoing residential expansion at a large master-planned community adds new supply and amenities in the Yulee area, which can influence pricing and competition for nearby communities. The site is about 9 miles west of Pirates Bluff.
First Wildlight Commerce Park speculative building opens in Yulee
The first speculative building at Wildlight Commerce Park opened in March 2026, adding move-in-ready industrial and flex space to Rayonier's Wildlight community in Nassau County near Interstate 95 and A1A.
Why it matters: New employment and commerce space at Wildlight strengthens the live-and-work profile of the Interstate 95 and A1A area in Nassau County, a factor that can support nearby residential demand. The site is about 9 miles west of Pirates Bluff.
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
Yulee Elementary SchoolElementary (verify zoning) · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Yulee Middle School6-8 (verify zoning) · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Yulee High School9-12 (verify zoning) · Nassau County School District · Grade A (Florida DOE 2025-26)
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
Publix 6 min
Dining
Huddle House 4 min
Shopping
Villages of Amelia 6 min
Parks
Melton O. Nelson Memorial Park 9 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 96040 PIRATES BLUFF Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $83/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 2,900 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 $5,640/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.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: November 1, 2026)
Comparable sales
realMLS closed sales in Pirates Bluff, 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 96040 PIRATES BLUFF Road and when was it built?
Per the listing record, 96040 PIRATES BLUFF Road was built in 2025 and has 2,900 sq ft of living area, 5 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 96040 PIRATES BLUFF Road in?
96040 PIRATES BLUFF Road is in Pirates Bluff in Yulee, Nassau County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 96040 PIRATES BLUFF Road have an HOA, and how much are the dues?
The listing reports HOA dues of $83 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 96040 PIRATES BLUFF Road differ from the current owner's?
The estimate on this page (about $5,640 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 96040 PIRATES BLUFF Road 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 BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
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.
