Pirates Bluff
Homes for Sale in Yulee, FL
All 175 homes for sale in Yulee, FL · median $418,350 · 169 homes for sale in 32097 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · via realMLS
As of November 2026, Pirates Bluff in Yulee, FL has 5 homes for sale. Over the 12 months ending 2026-08-10, 4 recorded sales closed at a median of $594,950, $180 per square foot, a median 271 days on market, sellers accepting 90% of original asking. Homes listed or recently sold were built 2025–2025 with 9 new construction; 9 of 9 report an HOA (median $83/mo); none of the 9 geocoded homes sit in a FEMA special flood hazard zone (median elevation 17 ft). At the median price and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $7,900 ($7,390 with the full homestead exemption).
Last 30 days in Pirates Bluff: 3 new listings (median asking $579,990). As of November 11, 2026, realMLS.
Homes For Sale Right Now in Pirates Bluff
Live MLS inventory for Pirates Bluff. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 2 daysTop listing
Active · 2 days
Active · 2 daysActive and pending Pirates Bluff listings as of 2026-11-10, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Price in Pirates Bluff is driven by the home itself, not by a community amenity package — the MLS shows none identified here. With a median around $594,950 and a median of roughly $180 per square foot, you're paying for the house and the lot, so condition, layout, and finish level carry the valuation. Expect a wide spread between homes depending on how they present.
The posture is firmly buyer-leaning. About 15 months of supply and a median of roughly 271 days on market tell you listings sit, and only five homes are active against a thin closings window. That hands negotiating leverage to buyers who take their time; for sellers, it means pricing to the actual market and accepting a longer runway rather than waiting out a bidding war that isn't coming.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Pirates Bluff right now
🟢 Buyer-leaning market. 15.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of August 10, 2026. Confidence: Medium (5 active and pending listings, 4 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 11, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Pirates Bluff market snapshot (as of August 10, 2026): the median sale price is about $595K ($180 per sq ft over the trailing 12 months of closed sales), a median 272 days on market for closed sales, and 15.0 months of supply, a buyer-leaning market.
In ZIP 32097 (Yulee), 613 homes closed in the last 12 months at a median of $453K ($197/sq ft), up 3.8% year over year, with a median 57 days on market. Right now 146 active and 61 pending listings put supply at about 2.9 months — a healthy market. See the live ZIP 32097 housing market and the Nassau County market.
realMLS (Northeast Florida) sales records identify 8 homes in Pirates Bluff that have changed hands since 2026, built between 2025 and 2025 (median 2025), with a median living area of about 3,338 sq ft and a typical 5-bedroom, 4-bath layout; 100% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pirates Bluff is a small, slow-moving pocket in Yulee where value comes from the individual home rather than shared amenities. With inventory sitting for months, buyers have room to be deliberate.
The setting & the homes.
Aerial and on-site photos of Pirates Bluff. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Pirates BluffPhotos from realMLS listings in Pirates Bluff; content deemed reliable but not guaranteed.
Who Pirates Bluff is best for.
Best for
- Buying with no rush and wanting room to negotiate on price and terms
- Buying to hold, where a longer time horizon absorbs a slow resale market
- Buyers who prioritize the house and lot over shared community amenities
Probably not for
- Needing to sell again quickly or count on fast liquidity
- Wanting a pool, clubhouse, or other shared amenities on site
- Relying on abundant recent comps to validate your offer
Pirates Bluff on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap contributors.
How far is everything?
Everyday stops around Pirates Bluff are close: the nearest coffee is about 2 minutes away.
- Nuanz Coffee Roasters · Coffee2 min
- Huddle House · Dining4 min
- Publix · Groceries6 min
- Villages of Amelia · Shopping6 min
- Melton O. Nelson Memorial Park · Parks9 min
- VITAS Healthcare · Health9 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Nearby Communities
Explore more neighborhoods near Pirates Bluff with Momentum Realty’s local guides.
Schools
- Nassau County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Yulee Elementary SchoolFLDOE grade A · Elementary (verify zoning)
- Yulee Middle SchoolFLDOE grade A · 6-8 (verify zoning)
- Yulee High SchoolFLDOE grade A · 9-12 (verify zoning)
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Nassau County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Pirates Bluff address.
Recent Developments in Pirates Bluff
Development, infrastructure, retail, and school activity affecting Pirates Bluff, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Infrastructure
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.
What it may mean for the marketDock and drainage upgrades support continued port operations and the freight jobs tied to the Fernandina waterfront. The site is about 5 miles northeast of Pirates Bluff.
Source: Fernandina Observer - October 2026Civic
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.
What it may mean for the marketThe 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 2 miles southwest of Pirates Bluff.
Source: Fernandina Observer - September 2026Development
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.
What it may mean for the marketAdded 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.
Source: Nassau NewsLine - August 2026Builder Activity
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.
What it may mean for the marketNew-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.
Source: Nassau NewsLine - July 2026Builder Activity
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.
What it may mean for the marketOngoing 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.
Source: Jax Daily Record - March 2026Development
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.
What it may mean for the marketNew 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.
Source: Jax Daily Record
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Pirates Bluff buying strategy.
If we were buying in Pirates Bluff today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Pirates Bluff.
A patient market with no amenity premium
The numbers point to a market that rewards patience on both sides. Fifteen months of supply is deep inventory by any measure, and a median near 271 days on market confirms homes here don't move quickly. With five active listings and a short run of recent closings, pricing signals are thin, so each sale matters and comparable support can be limited.
Because no community amenities surface in current MLS listings, there's no club, pool, or shared feature propping up value — the median near $180 per square foot reflects the houses and land. That makes condition and correct pricing the whole game. A well-prepared home can stand out in a slow field; an overpriced one will sit.
The location and the amenities are priced into every listing in Pirates Bluff. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A thin, slow market with few comps is exactly where local read matters most. We price to what's actually transacting, not to wishful numbers, and we know how to position a home to stand out in a field where listings linger near 271 days. On the buy side, we turn 15 months of supply into real negotiating leverage.
Pirates Bluff in 15 seconds.
What it really costs to own in Pirates Bluff
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | At today's median asking price of $579,990, the first-year bill with homestead is about $7,200/yr (Nassau County total millage 13.2757 mills, FY2025-26, Nassau County Property Appraiser, FY2025-26 adopted budget). |
|---|---|
| HOA dues | Median $1,000/year (about $83/month) across 3 MLS listings (most billed annually; 2026-11-11). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| 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 depend on roof age, wind mitigation and construction. |
Estimated carrying cost at the median asking price, before the mortgage: about $780/month (tax $600, HOA $83, insurance $97). An estimate from the sources above, not a quote.
Email me new listings in Pirates Bluff
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Pirates Bluff
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Pirates Bluff will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- No CDD
- HOA reported ~$1000/year
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Page states no CDD.
Tools for a Pirates Bluff buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Pirates Bluff sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Pirates Bluff, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Pirates Bluff home worth?
Get a no-obligation home value based on real comparable sales in Pirates Bluff, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Yulee →
Recently off market in Pirates Bluff
Homes in Pirates Bluff that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 3 on record.
- 96064 Pirates Bluff Road · off market
- 96088 Pirates Bluff Road · off market
- 96124 Pirates Bluff Road · off market
| Location | Yulee, Nassau County, FL · ZIP 32097 |
|---|---|
| Home types (current listings and sales) | single-family 100% |
| Sale prices, last 12 months | $594,950 median across 4 closed sales · $180 per sq ft |
| Days on market (closed sales) | 271 median |
| For sale right now | 5 active, 0 pending · median asking $599,990 · 15.0 months of supply |
| Zoned public schools | Yulee Elementary School (A, FLDOE 2025-26); Yulee Middle School (A, FLDOE 2025-26); Yulee High School (A, FLDOE 2025-26) |
Data as of August 10, 2026. Data provided by realMLS. Market figures describe homes, not residents. Cite as: Momentum Realty, “Pirates Bluff key facts,” movewithmomentum.com/neighborhoods/pirates-bluff-yulee, data as of August 10, 2026.
Just listed in Pirates Bluff
The newest homes for sale in Pirates Bluff right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 96100 Pirates Bluff Road $579,990 · 5 bd · 4 ba · 3,338 sq ft · listed Nov 7, 2026 Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS
- 96040 Pirates Bluff Road $569,990 · 5 bd · 4 ba · 2,874 sq ft · listed Nov 7, 2026 Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS
- 96148 Pirates Bluff Road $599,990 · 5 bd · 4 ba · 3,338 sq ft · listed Nov 7, 2026 Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Pirates Bluff Yulee Right Now (3)
All 3 active and pending Pirates Bluff Yulee listings with a detail page, newest first, refreshed twice a day from the MLS.
- 96100 Pirates Bluff Road · $579,990 · 5 bd / 4 ba · listed Nov 6, 2026 · listed by Keller Williams Realty Atlantic Partners
- 96040 Pirates Bluff Road · $569,990 · 5 bd / 4 ba · listed Nov 6, 2026 · listed by Keller Williams Realty Atlantic Partners
- 96148 Pirates Bluff Road · $599,990 · 5 bd / 4 ba · listed Nov 6, 2026 · listed by Keller Williams Realty Atlantic Partners
Recently sold in Pirates Bluff Yulee
- 96112 Pirates Bluff Road · sold $569,990
- 96160 Pirates Bluff Road · sold $599,990
- 96136 Pirates Bluff Road · sold $589,900
- 96064 Pirates Bluff Road · sold $600,000
- 96124 Pirates Bluff Road · sold $580,000
- 96088 Pirates Bluff Road · sold $667,500
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Yulee home searches
- All homes for sale in Yulee, FL
- Homes for sale in Nassau County, FL
- Gated communities in Yulee
- Homes under $300K in Yulee
- Yulee home values: what is my house worth?
- ZIP 32097 housing scorecard
Yulee guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Nassau County)
- Homestead exemption (Nassau County)
- Home insurance cost
- New construction
Florida buyer guides
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- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Pirates Bluff Road (9 homes on record)
34% of homes for sale in ZIP 32097 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-11).
Pirates Bluff Market Scorecard
Pirates Bluff is currently a buyer's market. About 6.0 months of supply, a median asking price of $579,990, and homes go under contract in about 4 days.
Typical home value in the 32097 ZIP is $389,917, about 12.0% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
What is the median home price in Pirates Bluff?
How long do homes in Pirates Bluff take to sell?
Is Pirates Bluff a buyer's or seller's market right now?
What schools serve Pirates Bluff?
Who is the best real estate agent for Pirates Bluff?
How do I find a top Yulee real estate agent who knows Pirates Bluff?
Can Momentum Realty connect me with an agent for Pirates Bluff?
Where is Pirates Bluff, and what county is it in?
Should you buy in Pirates Bluff?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: November 10, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending August 10, 2026 |
| Under-contract shares | realMLS records, as of 2026-08-10 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2026 (4 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum listings in Northeast Florida sold at 99.1% of final list price vs. 98.6% for the market, in a median 31 days vs. 41 (realMLS, 12 months to Nov 2026). A Momentum agent can price yours against live local comps.
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