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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Mcgirts Creek, Yulee.

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Sold·Closed Jan 26, 2026·77 days on market·Recent sales in Mcgirts Creek·Mcgirts Creek

96891 McGirts Creek

Yulee, FL 32097

$582,990sold priceListed at $589,990 · 98.8% of asking$243/sqftMLS# 2110244
4
Beds
3
Baths
2,403
Sq Ft
2025
Built
3
Garage
No
Pool

8 more homes for sale in Mcgirts Creek →Search Mcgirts Creek on the map

HOA $71/moSingle Family Residence1 storyNew construction

About this home

Mcgirts Creek

The Jensen is a New & Exciting Drees single level plan with 3-garage. This 2403 square foot, airy plan, offers an open kitchen overlooking the family room. Big dining area, separate Home Office, Outdoor Covered Porch, with 3-full baths. Good size Primary room. The Primary bath has a separate stand-up shower and linen closet.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,229
Property taxesest. at asking price, Nassau County$805
HOAbilled annually$71
Estimated total, before insurance$4,105/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$582,990
$116,598
Loan Term
Monthly Payment
$3,229
Principal & Interest: $3,229
Property taxes (est.): $805
Insurance (est.): $389
Estimated Total Monthly
$4,423
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,625 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $453/yr

Estimated taxes if purchased at asking price: ~$9,700/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Sep 24, 2025Listed$589,990

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $224/sq ft; this home is listed at $246/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
96535 Granite Trail, Yulee, FL 32097Listed by FERNANDINA BEACH REALTYJun 2026$479,000$2783/21,722600.4
96235 Sweetbriar Lane, Yulee, FL 32097Listed by COMPASS FLORIDA LLCJul 2026$510,000$2404/22,127630.5
96072 Breezeway Court, Yulee, FL 32097Listed by CASTILLO REAL ESTATE JAXOct 2025$490,000$1964/32,49440.6
96069 Breezeway Court, Yulee, FL 32097Listed by REDFIN CORPORATIONSep 2026$550,000$2214/32,494360.7
96899 McGirts Creek Loop, Yulee, FL 32097Listed by DREES REALTYJun 2026$599,990$2034/32,953560.7
96428 Chester Road, Yulee, FL 32097Listed by FERNANDINA BEACH REALTYSep 2025$448,500$2243/21,998530.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$589,990
Price / Sq Ft$246
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,403
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address96891 McGirts Creek, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionMcgirts Creek
CityYulee
CountyNassau
StateFL
Zip Code32097
Parcel Number503N28016500070000

Amenities

UtilitiesCable Available
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
# of Stories1
LevelsOne

Exterior

Patio / PorchCovered, Front Porch, Patio
RoofShingle
ConstructionComposition Siding

Additional Information

Date ListedSeptember 24, 2025
Days on Market77
HOA Fees$850 / Annually
HOA FrequencyAnnually
Tax Amount$453.21
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: DREES REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Mcgirts Creek

Mcgirts Creek is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jan 26, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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