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Active Under Contract

Active Under Contract·170 days on market

79514 Plummers Creek Drive

Yulee, FL 32097

$489,000$179/sqftEst. $2,493/moMLS# 2128288

Beds

Baths

2,733

Sq Ft

2017

Built

Garage

Pool

About this home

Yulee

Welcome home! This is more than a house, its a way of living that feels easy, intentional, and beautifully connected to nature. This thoughtfully designed 6-bedroom, 4-bath home in Plummer Creek offers a layout that truly lives well, with the majority of the living space and bedrooms conveniently located on the main level. From the moment you step inside, the warmth of the wood staircase sets the tone as a stunning accent that's as practical as it is timeless. The heart of the home is the expansive open-concept living, dining, and kitchen area, designed for gathering, hosting, and everyday moments that matter. The kitchen impresses with a huge island, rich wood cabinetry, granite countertops, built-in oven and microwave, a glass cooktop with extra storage drawers, and a generous walk-in pantry. The living room is framed by triple sliders that capture peaceful pond and wooded views, creating a calming backdrop you'll enjoy all day long. Step outside to the large covered lanai, where

Cost to own

Mortgage calculator

Home Price

$489,000

Down Payment: 20%

$97,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,493

Principal & Interest: $2,493

Property taxes (est.): $675

Insurance (est.): $326

Estimated Total Monthly

$3,494

*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$2,493

Property taxesest. at asking price, Nassau County$675

HOAbilled annually$62

Estimated total, before insurance$3,230/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$405,317	$0	—
2024	$384,996	$0	—
2023	$370,321	$0	—
2022	$311,535	$311,535	—
2021	$292,450	$292,450	—
2020	$281,824	$277,368	—

Estimated taxes if purchased at asking price: ~$8,100/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 G

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,751 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

Price & status history

Jul 10, 2026Active Under Contract$489,000
Feb 3, 2026Listed$489,000

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

Features

Price$489,000

Price / Sq Ft$179

Bedrooms6

Bathrooms4.00

Full Baths4

Square Footage2,733

Acres0.19 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address79514 Plummers Creek Drive, Yulee, FL 32097

Area492-Nassau County-W Of I-95/N To State Line

SubdivisionPlummer Creek

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size8,276.4 sq ft

Parcel Number122N26160200620000

Amenities

AmenitiesPool, Other, Basketball Court, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2