97260 Pirates Point Road, Yulee, FL 32097
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
97260 PIRATES POINT Road in Pirates Wood, Yulee is listed at $850,000 (2,114 sq ft, about $402 per sq ft). It has been listed Jul 25, 2026. Listing facts: built in 1988, waterfront, HOA dues of $32/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 1988 · 38 yrs
- 2,114 sq ft of living area
- 2-car garage
- Listed at $850,000 — recent neighborhood median sale price ~$410,000 (nearby sales; deemed reliable, not an appraisal)
- listed Jul 25, 2026
- HOA $32/mo (per listing)
About this home
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.
All 78 photos
Description provided by CENTURY 21 MILLER ELITE LLC and reproduced from the MLS; not independently verified.
Comparable recent sales
6 closed sales in Pirates Wood, on the same side of the St. Johns River 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.
Median of these 6 sales: $410,000 ($226/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $4,574/mo 77%
- Taxes $885/mo 15%
- Insurance $449/mo 8%
- HOA $32/mo 1%
$5,941/mo at 20% down, 30-yr @ 7.11% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Nassau County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 97260 Pirates Point 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 | The current owner's bill is about $8,475/yr (certified county roll, taxable value × millage). Buy at the asking price of $850,000 and the first-year bill resets to about $10,625/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 13.28 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $32/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 $4,000–$8,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1988. An original roof would be about 38 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $1,014/month (tax $885, HOA $32, insurance $97). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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)
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.
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
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Crane Island market
How this home is priced against recent nearby sales, and where Crane Island 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.
This home’s history
- 1988BuiltPer public record
- About Jul 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Jul 25, 2026)
- Aug 4, 2026First seen on our siteObserved at $850,000
- 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.
Price & listing history
Building permits
Momentum Property Score
21/100 is limited 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.
Coverage: 5 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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 8.9 months of supply in the surrounding market and 111 days on market for this home, against a 96-day area median.Days on market:this home 111Area median: 96 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 23, 2026.
🟡 Asking $402 per square foot, about 78% above the community’s $226 median. Crane Island’s 12-month median sold price per square foot is $226. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
64% of homes in Crane Island are owner-occupied. An estimated 36% are non-owner-occupied, including 18% held in a company or trust and 12% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 1242 homes matched. Community-level context.
What’s unique here: one of only 335 active listings in Crane Island, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by CENTURY 21 MILLER ELITE LLC · MLS # 2156515
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Similar homes for sale near Pirates Wood
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.
Newest listings in Pirates Wood
- 408 Beech Street · $799,000 · 2 bd / 1.0 ba · listed November 9, 2026 (courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST)
- 1545 Philips Manor Road · $1,299,000 · 3 bd / 2.0 ba · listed November 7, 2026 (courtesy of CABANA LANE, INC)
- 28175 Hammock Road · $1,100,000 · 4 bd / 2.5 ba · listed November 6, 2026 (courtesy of UNITED REAL ESTATE GALLERY)
- 96360 Southern Lily Drive · $875,000 · 3 bd / 2.5 ba · listed November 6, 2026 (courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY)
- 4776 Amelia Island Parkway #9 · $1,150,000 · 2 bd / 2.0 ba · listed November 4, 2026 (courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY)
- 96946 McGirts Creek Loop · $789,990 · 5 bd / 4.0 ba · listed November 3, 2026 (courtesy of DREES REALTY)
Recently off market in Pirates Wood
- 96046 Montego Bay · last listed $800,000 · 2026-11-12
- 85082 Calumet Drive · last listed $725,000 · 2026-11-12
- 97028 Landing Trail · last listed $1,139,900 · 2026-11-08
- 95494 Arbor Lane · last listed $1,455,000 · 2026-11-08
- 3119 Sea Marsh Road · last listed $1,495,000 · 2026-11-08
- 247 Westerly Drive · last listed $573,050 · 2026-11-08
Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings
More on Pirates Wood
Go deeper on Pirates Wood
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.
Assigned schools
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.
See schools in the Pirates Wood guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →What homes sell for in 32097 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 97260 PIRATES POINT Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1988 (38 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $32/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- 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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 2,114 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 $10,625/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,150 more per year than the current owner’s estimated bill (+25%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: November 13, 2026) |
| Comparable sales | realMLS closed sales in Pirates Wood, on the same side of the St. Johns River, last 18 months, as of August 23, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; 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.
Frequently asked questions
How big is 97260 PIRATES POINT Road and when was it built?
Per the listing record, 97260 PIRATES POINT Road was built in 1988 and has 2,114 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 97260 PIRATES POINT Road in?
97260 PIRATES POINT Road is in Pirates Wood in Yulee, Nassau County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 97260 PIRATES POINT Road have an HOA, and how much are the dues?
The listing reports HOA dues of $32 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 97260 PIRATES POINT Road differ from the current owner's?
The estimate on this page (about $10,625 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,150 more per year than the current owner’s estimated bill (+25%). 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 97260 PIRATES POINT Road in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is 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. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
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.