CENTURY 21 Edge
$609,990$749,9905 bd4 ba3,338 sqft$183 /sqft≈$3,793 /mo all-in ↓

96100 Pirates Bluff Road, FL 32097, FL, 32097

Active363 days on marketListed Aug 4, 2025MLS #F10518392

✦ Reduced $140K✦ New constructionSingle Family ResidencePirates Bluff

About this home

96100 Pirates Bluff Road, FL 32097

Welcome to 96100 Pirates Bluff Rd in Yulee, FL—where space, style, and comfort come together. The Fernandina plan offers 5 bedrooms, 4 baths, and a versatile loft across 3,338 square feet of thoughtfully designed living space. The gourmet kitchen includes a mix of 42" white and admiral cabinets, quartz countertops, a tile backsplash, 36" cooktop with stainless vent hood, and a wall oven/microwave combo. Located in Pirates Bluff, a peaceful community close to top schools, shopping, and just a short drive to Amelia Island beaches and I-95. See supplements for builder Financing Disclosure.

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

3,338

Sqft

2

Garage

2025

Year built

2

Levels

$183

Per sqft

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Electric Range
InteriorFirst Floor Entry · Other
CoolingCentral Air
HeatingCentral

Outside & construction

RoofComp Shingle Roof · Composition Roll · Shingle
FacesNorthwest
Parking2 Or More Spaces · Driveway
ExteriorOpen Balcony

Community & fees

HOA fee$83/mo
Taxes (2024)$359/yr
CommunityNone

Utilities & systems

WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$3,793 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,291
PMI (est., until 20% equity)$229
Property tax — 2024 actual bill$30
HOA fee — from the listing$83
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $60,999Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $60,999
Interest rate6.00%
Loan term

Estimated payment

$3,793/mo

Principal & interest$3,291
PMI (est., until 20% equity)$229
Property taxes (actual bill)$30
HOA / condo fee$83
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Reality check

What actually sold near 96100 Pirates Bluff Road

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

96124 Pirates Bluff Road, FL 32097Sold · May ’26

$580,000

96124 Pirates Bluff Road, FL 32097 · same community

5 bd · 4 ba · 3,338 sqft · $174/sqft · 267 DOM

96088 Pirate Bluff Road, FL 32097Sold · Apr ’26

$667,500

96088 Pirate Bluff Road, FL 32097 · same community

6 bd · 5 ba · 3,644 sqft · $183/sqft · 212 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Lacie Springstead

Your agent

Lacie Springstead

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 96100 Pirates Bluff Road — start here.

CallText
lacie.springstead@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 96100 Pirates Bluff Road — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

96100 Pirates Bluff Road FAQs

What would the monthly payment be for 96100 Pirates Bluff Road, FL 32097?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,793/mo — principal and interest, the actual property-tax bill, the $83/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 96100 Pirates Bluff Road, FL 32097?+

The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 96100 Pirates Bluff Road, FL 32097?+

The most recent tax bill on record (2024) was $359. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.

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