97106 Yorkshire Dr · Yulee, FL 32097

$329,900

3 bd · 2.0 ba · 2,541 sqft · SingleFamily public records · 7 Days on market

Built 2011 0.33 ac lot Est $625k · 47% under $40/mo HOA · 2% of rent

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Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +15.0/15.0
• Cash flow +10.3/30.0
• Appreciation +10.0/10.0
• Schools +6.0/10.0
• Livability +3.3/5.0
• Rent growth +3.2/5.0
• DSCR +3.0/10.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0

Listing remarks MLS

* * MULTIPLE OFFERS RECEIVED. If you would like to participate, please submit your final offers by 7:00 PM today. * * LARGE LOT SIZE * * SPLIT BEDROOM FLOOR PLAN * * WATER VIEWS * * Step into this bright and inviting 4 bed, 2 bath home that perfectly balances cozy charm with an open concept design. Relax in the main living areas featuring plush carpet, or enjoy the durable tile in the LARGE KITCHEN. The SPLIT BEDROOM FLOOR PLAN provides excellent flow, complemented by a breakfast nook and a dedicated dining room for easy entertaining. Outside, the large lot size includes a HUGE BACKYARD that overlooks a peaceful forest for ultimate quiet and PRIVACY. Enjoy water views from your front porch of the pond across the street, or unwind on the SPACIOUS SCREENED-IN LANAI. Located in the rural countryside near State Rd 200, you are minutes from shopping and dining and only half an hour from the beach. Schedule your showing today!

Key facts

• Water views
• Large lot size
• Huge backyard

Tags

• LARGE LOT SIZE
• WATER VIEWS
• HUGE BACKYARD
• SPACIOUS SCREENED-IN LANAI

Property features AI

Finance

• HOA & community: Community association: Bells River Estates; Association fee $484 annually; Sidewalks in the community

Exterior

• Parking: Attached garage; 2-car garage; Garage door opener; Additional off-street parking
• Utilities: Public sewer; Cable available; Electricity available; Water available; Sewer available
• Home design: Single family residence; One level; Entry level: 1; Northeast-facing
• Construction: Frame and stucco construction; Shingle roof
• Exterior features: Covered patio/porch; Front porch; Rear porch; Screened porch; Sprinklers in front; Sprinklers in rear; Cleared lot; City street frontage; Asphalt road

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Refrigerator; Ice maker; Pantry; Eat-in kitchen
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Electric heating; Heat pump; Central air conditioning; Electric cooling; Wall/window unit(s)
• Interior features: Ceiling fans; Eat-in kitchen; Entrance foyer; His and hers closets; Pantry; Primary bathroom with separate tub and shower; Split bedroom layout; Vaulted ceilings; Walk-in closets
• Laundry & utility: In-unit laundry hookups; Washer hookup; Electric dryer hookup; Washer; Dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $330k.

Deal economics

• At list price, monthly cash flow is $-181 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $298k (9.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $244k (26.1% below list).
• Recommended offer: $244k (26.1% below list) — sets the bar for 1% rule.
• Cap rate 5.6% vs local median 3.4% in Yulee — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 66/100 on livability (#605 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A-, crime B+; Watch: amenities F, commute F, health & safety F.
• Nassau (town): math 74% / reading 65% proficiency, ranked #4 of 73 in FL (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Yulee Primary School (658 students, 51% FRL); Yulee Middle School (math 73% / reading 61%, grade A-, #80 of 571 statewide, top 14%, 1,202 students, 41% FRL); Yulee High School (math 52% / reading 54%, grade C-, #148 of 667 statewide, top 23%, 1,407 students, 35% FRL) — zoned schools at 42% FRL track the district average.
• Market conditions: Rents rising (+2.9%/yr); 596 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 953 units permitted in Nassau County in 2024 (24 in 5+ unit buildings).
• This rent runs 31% of the median local income ($93k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $35k of equity ($2k loan paydown + $33k appreciation (10.0% local appreciation)).
• Nassau County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$57k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 15y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $161k; list at $330k implies a 105% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $243,766 (26.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.74% ✗
• Cap rate: 5.64%
• Cash-on-cash: -2.35%
• DSCR: 0.90
• GRM: 11.3

CMA / ARV

• ARV (on-the-fly): $625,086
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
97106 Yorkshire Dr	0.00mi	4/2.0 (+1)	2,541 (0%)	0mo	$341,000	$134	95
572 Sandy Bluff Dr #0043	0.47mi	4/3.0 (+1)	2,827 (+11%)	0mo	$710,000	$251	50
572 Sandy Bluff Dr	0.47mi	4/3.0 (+1)	2,827 (+11%)	0mo	$710,000	$251	50
564 Sandy Bluff Dr #0044	0.48mi	4/3.0 (+1)	2,827 (+11%)	1mo	$707,050	$250	49
564 Sandy Bluff Dr	0.49mi	4/3.0 (+1)	2,827 (+11%)	1mo	$707,050	$250	49
662 Sandy Bluff Dr #0032	0.52mi	4/3.0 (+1)	2,827 (+11%)	0mo	$690,450	$244	48
416 Sandy Bluff Dr #0057	0.52mi	4/3.0 (+1)	2,827 (+11%)	2mo	$696,750	$246	46
416 Sandy Bluff Dr	0.52mi	4/3.0 (+1)	2,827 (+11%)	2mo	$696,750	$246	46
662 Sandy Bluff Dr	0.55mi	4/3.0 (+1)	2,827 (+11%)	0mo	$690,450	$244	46
97265 Castle Ridge Dr	0.59mi	4/3.0 (+1)	2,883 (+14%)	0mo	$625,000	$217	41
173 Vista Bluff Ln	0.63mi	4/3.5 (+1)	2,883 (+14%)	1mo	$665,200	$231	37
173 Vista Bluff Ln #0010	0.64mi	4/3.5 (+1)	2,883 (+14%)	1mo	$665,200	$231	36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 2.88% rent growth · sell at horizon

5-year hold

• IRR: 22.6%
• Equity multiple: 2.82×
• Total profit: $167,805
• Equity at exit: $297,200

10-year hold

• IRR: 20.2%
• Equity multiple: 6.44×
• Total profit: $502,472
• Equity at exit: $640,923

Cash invested: $92,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32097

• Home prices YoY: 19.5%
• Rents YoY: 2.9%
• Active inventory: 596
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $2,438 medium
• Mortgage (P&I): −$1,730
• Tax from tax record: −$199 /mo · $2,386/yr
• Insurance: −$137
• HOA: −$40
• Vacancy / Maint / Mgmt: −$512
• Net cashflow: $-181

Break-even live

Break-even rent $2,666

Max offer price $297,994

Occupancy floor —

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $82,475
• Closing costs: $9,897
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
97122 Yorkshire Dr Yulee, FL	4.0	2.0	2522	$2,640	$1.05	4d	1	0.01mi

HOA detail

• Monthly dues: $40 · $480/yr
• Likely covers: water

Listing history 19 events

1. 2026-06-16
   statusdays on marketlisting id $329,900 Pending 7 DOM
2. 2026-06-15
   days on market $329,900 Active Under Contract 39 DOM
3. 2026-06-13
   days on market $329,900 Active Under Contract 37 DOM
4. 2026-06-13
   days on market $329,900 Active Under Contract 36 DOM
5. 2026-06-09
   days on market $329,900 Active Under Contract 33 DOM
6. 2026-06-08
   days on market $329,900 Active Under Contract 32 DOM
7. 2026-06-07
   days on market $329,900 Active Under Contract 31 DOM
8. 2026-06-05
   days on market $329,900 Active Under Contract 28 DOM
9. 2026-06-03
   days on market $329,900 Active Under Contract 27 DOM
10. 2026-06-02
    days on market $329,900 Active Under Contract 26 DOM
11. 2026-06-01
    days on market $329,900 Active Under Contract 25 DOM
12. 2026-05-31
    days on market $329,900 Active Under Contract 24 DOM
13. 2026-05-14
    status Pending 940-char remark

    Show marketing remark (940 chars)

    * * MULTIPLE OFFERS RECEIVED. If you would like to participate, please submit your final offers by 7:00 PM today. * * LARGE LOT SIZE * * SPLIT BEDROOM FLOOR PLAN * * WATER VIEWS * * Step into this bright and inviting 4 bed, 2 bath home that perfectly balances cozy charm with an open concept design. Relax in the main living areas featuring plush carpet, or enjoy the durable tile in the LARGE KITCHEN. The SPLIT BEDROOM FLOOR PLAN provides excellent flow, complemented by a breakfast nook and a dedicated dining room for easy entertaining. Outside, the large lot size includes a HUGE BACKYARD that overlooks a peaceful forest for ultimate quiet and PRIVACY. Enjoy water views from your front porch of the pond across the street, or unwind on the SPACIOUS SCREENED-IN LANAI. Located in the rural countryside near State Rd 200, you are minutes from shopping and dining and only half an hour from the beach. Schedule your showing today!

14. 2026-05-14
    historical Active Under Contract

    Show marketing remark (940 chars)

    * * MULTIPLE OFFERS RECEIVED. If you would like to participate, please submit your final offers by 7:00 PM today. * * LARGE LOT SIZE * * SPLIT BEDROOM FLOOR PLAN * * WATER VIEWS * * Step into this bright and inviting 4 bed, 2 bath home that perfectly balances cozy charm with an open concept design. Relax in the main living areas featuring plush carpet, or enjoy the durable tile in the LARGE KITCHEN. The SPLIT BEDROOM FLOOR PLAN provides excellent flow, complemented by a breakfast nook and a dedicated dining room for easy entertaining. Outside, the large lot size includes a HUGE BACKYARD that overlooks a peaceful forest for ultimate quiet and PRIVACY. Enjoy water views from your front porch of the pond across the street, or unwind on the SPACIOUS SCREENED-IN LANAI. Located in the rural countryside near State Rd 200, you are minutes from shopping and dining and only half an hour from the beach. Schedule your showing today!

15. 2026-05-07
    listed $329,900 Active

    Show marketing remark (940 chars)

    * * MULTIPLE OFFERS RECEIVED. If you would like to participate, please submit your final offers by 7:00 PM today. * * LARGE LOT SIZE * * SPLIT BEDROOM FLOOR PLAN * * WATER VIEWS * * Step into this bright and inviting 4 bed, 2 bath home that perfectly balances cozy charm with an open concept design. Relax in the main living areas featuring plush carpet, or enjoy the durable tile in the LARGE KITCHEN. The SPLIT BEDROOM FLOOR PLAN provides excellent flow, complemented by a breakfast nook and a dedicated dining room for easy entertaining. Outside, the large lot size includes a HUGE BACKYARD that overlooks a peaceful forest for ultimate quiet and PRIVACY. Enjoy water views from your front porch of the pond across the street, or unwind on the SPACIOUS SCREENED-IN LANAI. Located in the rural countryside near State Rd 200, you are minutes from shopping and dining and only half an hour from the beach. Schedule your showing today!

16. 2026-05-07
    listed $329,900 Active 940-char remark

    Show marketing remark (940 chars)

    * * MULTIPLE OFFERS RECEIVED. If you would like to participate, please submit your final offers by 7:00 PM today. * * LARGE LOT SIZE * * SPLIT BEDROOM FLOOR PLAN * * WATER VIEWS * * Step into this bright and inviting 4 bed, 2 bath home that perfectly balances cozy charm with an open concept design. Relax in the main living areas featuring plush carpet, or enjoy the durable tile in the LARGE KITCHEN. The SPLIT BEDROOM FLOOR PLAN provides excellent flow, complemented by a breakfast nook and a dedicated dining room for easy entertaining. Outside, the large lot size includes a HUGE BACKYARD that overlooks a peaceful forest for ultimate quiet and PRIVACY. Enjoy water views from your front porch of the pond across the street, or unwind on the SPACIOUS SCREENED-IN LANAI. Located in the rural countryside near State Rd 200, you are minutes from shopping and dining and only half an hour from the beach. Schedule your showing today!

17. 2012-02-28
    soldstatus $160,685 79-char remark

    Show marketing remark (79 chars)

    Davenport floor plan by Maronda Homes. Four bedroom, 2 bath house with 2400 SF.

18. 2011-06-01
    listed $160,685 79-char remark

    Show marketing remark (79 chars)

    Davenport floor plan by Maronda Homes. Four bedroom, 2 bath house with 2400 SF.

19. 2005-12-02
    soldstatus $892,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $2,386 · $199/mo
• Projected year-2 tax: $2,738 · $228/mo
• Expected delta: +$352/yr (+$29/mo · 14.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 23% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,252
• − Mortgage interest: −$18,480
• − Property taxes: −$2,386
• − Insurance: −$1,650
• − Repairs & maintenance: −$2,340
• − Management: −$2,340
• − HOA: −$480
• − Depreciation: −$9,597
• Taxable loss: −$8,021
• Est. tax savings @ 24.0%: +$1,925
• After-tax cash flow: $-242/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Nassau
• NCES district ID: 1201350
• Math proficiency: 74% ▼ -2.00%
• Reading proficiency: 65% ▼ -2.00%
• Median HH income: $58,267
• Composite: 59.79/100
• National rank: #899
• State rank: #4 of 73 in FL

Livability — Yulee

• Score: 66/100
• State rank: #605
• US rank: #11615

Category grades

Amenities F Commute F Cost of living A- Crime B+ Employment B+ Housing A+ Health & safety F User ratings B+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Nassau County · 67,729 people
• City population: 979,034
• Metro: Jacksonville, FL
• Population (ZIP): 26,700
• Household income: $93,161
• Rent vs Own: 19.8% rent · 80.2% own
• Severe rent burden: 404.0

Population outlook (Nassau County) Hauer SSP2

• Today (2025): 88,419 people
• By 2030: 92,679 · +4.8%
• By 2040: 99,257 · +12.3%
• By 2050: 103,378 · +16.9%
• By 2075: 109,726 · +24.1%
• By 2100: 107,006 · +21.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Two or more races 9% Black 9% Hispanic / Latino 8% Asian 1% Native American 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Lithuanian 4% Italian 3% Romanian 2%
• Foreign-born: 4% · Canada, Vietnam
• Languages at home: 93% English-only · Spanish 5% Vietnamese 1%

Political lean MEDSL · Nassau

• 2024 margin: Solid R (+46.9) · D 26.1% · R 73.1%
• 2008→2024 swing: -3.1pp toward R · 2008: -43.8pp · 2024: -46.9pp
• All cycles: 2024: R+46.9 2020: R+45.9 2016: R+50.2 2012: R+48.6 2008: R+43.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 49.35%
• Current HPI: 301.9299
• Rent YoY: ▲ 2.88%
• Metro: Jacksonville, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-63.0% since first listed

7 events — show timeline

• 2026-05-14 Pending — AINCAR
• 2026-05-14 Contingent — realMLS
• 2026-05-07 Listed $329,900 realMLS
• 2026-05-07 Listed $329,900 AINCAR
• 2012-02-28 Sold (MLS) $160,685 AINCAR
• 2011-06-01 Listed $160,685 AINCAR
• 2005-12-02 Sold (Public Records) $892,500 Public Records

Property tax history

-0.4%/yr

Latest (2025): $2,386 · +1.6% YoY. Source: county tax records.