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Active

Active·181 days on market

77330 Lumber Creek Boulevard

Yulee, FL 32097

$395,000$197/sqftEst. $2,014/moMLS# 2126720

Beds

Baths

2,005

Sq Ft

2020

Built

Garage

Pool

About this home

Yulee

Welcome home to this freshly painted 5-bedroom, 3-bath residence with a layout designed for real life. Bright, open living spaces flow effortlessly from the kitchen into the dining and living areas, making it easy to gather, entertain, or keep an eye on everything at once. The kitchen offers generous storage and a functional setup that works just as well on busy mornings as it does for hosting friends. The primary suite is a comfortable retreat with a walk-in closet and private bath, while four additional bedrooms provide flexibility for guests, home offices, or growing needs. Out back, enjoy a private yard perfect for unwinding, gardening, or casual outdoor time. Located in a sought-after community close to top-rated schools, shopping, and everyday conveniences. Quick access to Naval Submarine Base Kings Bay, Jacksonville International Airport, and the beaches of Amelia Island Beaches.

Cost to own

Mortgage calculator

Home Price

$395,000

Down Payment: 20%

$79,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,014

Principal & Interest: $2,014

Property taxes (est.): $545

Insurance (est.): $263

Estimated Total Monthly

$2,823

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$2,014

Property taxesest. at asking price, Nassau County$545

HOAbilled semi-annually$56

Estimated total, before insurance$2,615/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,127/yr · $344/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $350,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$312,140	$258,479	—
2024	$300,487	$250,487	—
2023	$311,772	$311,772	—
2022	$267,474	$174,986	—
2021	$218,433	$168,433	—
2020	$35,000	$35,000	—

2025 property taxes (current owner): $4,127/yr

Estimated taxes if purchased at asking price: ~$6,500/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: material not specified — year not disclosed (home built 2020)

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

Solar potential: ~1,584 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

As of July 2026, 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.

History