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Pending

Pending·168 days on market

694 Windchime Street

Yulee, FL 32097

$404,400$232/sqftEst. $2,062/moMLS# 2128641

Beds

Baths

1,743

Sq Ft

2026

Built

Garage

Pool

About this home

Yulee

Paired Villa - Single-Story 3BR/2BA with Lanai Enjoy low-maintenance living in this 1,743 sq. ft. paired villa featuring 3 bedrooms, 2 bathrooms, and a 2-car garage. The single-story design offers convenience and comfort with an open-concept layout and luxury vinyl plank flooring in the main living areas for a modern, durable finish. The chef-inspired kitchen boasts quartz countertops, sleek cabinetry, and plenty of space for entertaining. Step outside to your covered lanai, perfect for relaxing or hosting gatherings. This home combines elegance, functionality, and easy living—ideal for today's lifestyle!

Cost to own

Mortgage calculator

Home Price

$404,400

Down Payment: 20%

$80,880

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,062

Principal & Interest: $2,062

Property taxes (est.): $558

Insurance (est.): $270

Estimated Total Monthly

$2,890

*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$2,062

Property taxesest. at asking price, Nassau County$558

HOAbilled annually$102

Estimated total, before insurance$2,722/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.

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 2026)

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

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.