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96136 Pirates Bluff Rd, Yulee, FL, 32097

5beds
4baths
3,327sqft
$589,990
$177price/sqft
$4,406/moest. monthly cost
$176,240/yrincome needed

About This Home

The Rosewood home plan is a spacious and versatile two-story residence, offering 3,327 square feet of meticulously designed living space. Featuring six well-appointed bedrooms and four bathrooms, this home accommodates large families and guests with ease. The open-concept layout on the main floor seamlessly integrates the kitchen, dining, and living areas, creating a welcoming environment for gatherings and daily activities. Modern design touches and high-quality finishes throughout enhance both the aesthetic appeal and functionality of the home. With three garage spaces, the Rosewood plan provides ample parking and storage solutions, making it an ideal choice for those seeking comfort and convenience in their living space. Located in Pirates Bluff, a peaceful community close to top schools, shopping, and just a short drive to Amelia Island beaches and I-95.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

8/10
Yulee Elementary SchoolGrades 3-53.6 mi
9/10
Yulee Middle SchoolGrades 6-83.6 mi
5/10
Yulee High SchoolGrades PK,9-123.8 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Shingle
  • Construction materials: Fiber Cement

Other

  • Builder name: Dream Finders Home

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Microwave,Oven,Refrigerator,Stove

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Window features: Vinyl

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,327
  • Total interior livable area: 3,327 sqft

Property

Details

  • Parcel number: 383N28081000090000
  • Zoning: PUD
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 9,413 sqft
  • Lot size dimensions: 75 x 125

Parking

  • Total spaces: 2
  • Parking features: Two Car Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Lightning
Wildfire
Hurricane
Heat Wave
Tornado
Tsunami

FEMA Declared Disasters in Nassau County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,983$35,796
Home Insurance *$321$3,852
Property Taxes $768$9,216
Electricity $334$4,017
Total$4,406$52,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$151,062/yr
40% on housing$132,180/yr
45% on housing$117,493/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.9%
14.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$177This listing

vs Other Active Listings

Avg $/sqft

ZIP 32097$195
Nassau County$311

vs Homes Sold Last Month

Median $/sqft

ZIP 32097$197
Nassau County$223

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-01-06Price change$589,990
2025-12-02Price change$599,990
2025-10-16Price change$619,990
2025-09-05Listed for sale$649,990
2025-08-12Listing removed$715,990
2025-07-19Listed for sale$715,990

New Construction Spec

AgentCraig Brewis
BrokerageBERKSHIRE HATHAWAY HomeServices HWREI

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