96095 GRAVEL CREEK DRIVE, YULEE, FL, 32097
Active52 days on marketListed Jun 22, 2026MLS #V4949784
About this home
96095 GRAVEL CREEK DRIVE
LIVE WHERE OTHERS DREAM OF VACATIONING! Nestled in the heart of coastal Nassau County, just minutes from Amelia Island's pristine beaches, luxury resorts, scenic marshes, and historic Fernandina Beach, this private estate offers the perfect blend of small-town charm, coastal living, and modern convenience. PRIVATE ESTATE SETTING - Tucked away on a beautifully landscaped 0.51-acre homesite, this custom-built Arnett Builders home features 3 bedrooms, 2 bathrooms, a dedicated office/flex room, and approximately 2,109 square feet of living space. A long driveway lined with mature Crape Myrtle trees leads to a beautifully maintained brick home set well back from the road, creating exceptional curb appeal and privacy. INTERIOR FEATURES - Built in 2014 by the original owners, the home offers a desirable split-bedroom floor plan, vaulted ceilings, engineered hardwood flooring, recent luxury vinyl plank flooring, crown molding, and elegant wainscoting in the dining room and office. The kitchen features granite countertops, upgraded 43-inch cabinetry, under-cabinet lighting, white subway tile backsplash, farmhouse sink, center island with storage and seating, and ample cabinet space. The spacious living room is anchored by a gas fireplace with remote control. OWNER'S RETREAT - The spacious primary suite includes dual closets, dual vanities, a garden soaking tub, walk-in shower, and private water closet. OUTDOOR LIVING - Enjoy a screened and tiled porch with dual ceiling fans, television, electrical outlets, and gas grill hookup. A composite deck with privacy wall, fragrant jasmine, fire pit area, treehouse play set with swings, monkey bars, climbing wall and slide, storage shed, iron fencing, and fully fenced backyard create the perfect outdoor retreat. GARAGE & PARKING - Oversized 20'9" x 23' garage with utility sink, included workbench, generator hookup, and direct access to both the laundry room and kitchen for easy grocery unloading. Boat and RV parking permitted, plus an extended parking pad for recreational vehicles, trailers, boats, and guest parking. BONUS FEATURES - 210-foot artesian well with aeration system, 7-zone irrigation system, low HOA, well and septic, front-loading washer and dryer on pedestals, multiple included televisions, and marsh-side living just minutes from the coast. MOVE-IN READY - Professionally cleaned, soft washed including roof, windows, concrete and exterior surfaces, freshly painted front door and shutters, refreshed landscaping, fresh mulch, trimmed trees and shrubs, and regularly maintained HVAC system. LOCATION - Minutes to Amelia Island beaches, boating, fishing, golf, luxury resorts, top-rated Nassau County schools, Jacksonville International Airport, cruise terminals, NFL football, major concerts, Kings Bay Naval Base, Mayport Naval Station, and world-class healthcare. Included with the sale, if desired by the buyer, are the refrigerator, dishwasher, range, microwave, front-loading washer and dryer, garage workbench, garage refrigerator, porch refrigerator, all televisions, large living room mirror, and Guest Bedroom 1 and Guest Bedroom 2 furniture.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,109
Sqft
0.51 ac
Lot size
2
Garage
2014
Year built
One
Levels
$279
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$3,843 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,843/mo
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.
Where it sits
Inside Yulee
Get to know Yulee. See the full Yulee guide →
YULEE 32097 — neighborhood snapshot
Population
24,880
Median age
38.5
Median income
$89,270
Median home value
$293,300
Avg household
2.65
Households w/ children
3,640
The numbers that matter
The Yulee market
$419K → $413K
Yulee median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
Median sold price, Yulee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% above the YULEE 32097 median. See the full Yulee market guide →
Paper trail
This home's history
Reality check
What actually sold near 96095 GRAVEL CREEK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$330,000
96060 YELLOWTAIL COURT
3 bd · 2 ba · 1,810 sqft · $182/sqft · 16 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.
Your agent
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 96095 GRAVEL CREEK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 96095 GRAVEL CREEK DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
96095 GRAVEL CREEK DRIVE FAQs
What would the monthly payment be for 96095 GRAVEL CREEK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,843/mo — principal and interest, the actual property-tax bill, the $38/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 96095 GRAVEL CREEK DRIVE?+
The association fee works out to $38 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 96095 GRAVEL CREEK DRIVE?+
The most recent tax bill on record (2025) was $3,019. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 96095 GRAVEL CREEK DRIVE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Yulee?+
At $588,000, this home is listed about 30% above the Yulee median of $452,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$588,000 runs 18% above the YULEE 32097 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
52 days on market against a Yulee median of 10 — sellers in this position are usually ready to negotiate.
Listing courtesy of PORZIG REALTY · Amy Rogers. MLS #V4949784.
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 Stellar MLS.
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