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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 The Hideaway, Yulee — a waterfront home in Nassau County.

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Sold

Sold·Closed Aug 27, 2026·21 days on market·Recent sales in The Hideaway·The Hideaway

86642 Serenity Lake Court

Yulee, FL 32097

$399,000sold priceListed at $409,000 · 97.6% of asking$192/sqftMLS# 2133209
4
Beds
3
Baths
2,078
Sq Ft
2020
Built
2
Garage
No
Pool

5 more homes for sale in The Hideaway →Search The Hideaway on the map

FEMA Zone XHOA $75/mo7,405 sqft lotWaterfrontSingle Family Residence2 stories

About this home

The Hideaway

Tucked inside The Hideaway with an ASSUMABLE 3.125% VA Loan, this beautifully maintained 4 bedroom, 3 bath home offers the perfect blend of space, functionality, and peaceful waterfront living. Step inside to a bright, open-concept layout where the kitchen, dining, and living areas seamlessly connect--designed for both everyday living and effortless entertaining. Large windows frame tranquil views of the backyard, pond, and wooded backdrop, bringing in natural light and a sense of calm throughout the main living spaces. Durable vinyl flooring runs through the primary areas, creating a cohesive and low-maintenance foundation. The kitchen is both stylish and practical, featuring Corian countertops, a generous island for gathering, ample cabinet space, and a large walk-in pantry to keep everything organized. Downstairs, the owner's suite offers a private retreat with an en-suite bath, while two additional bedrooms and a full bathroom provide comfortable space for family or guests.

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$2,210
Property taxesest. at asking price, Nassau County$551
HOAbilled annually$75
Estimated total, before insurance$2,836/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,647/yr · $304/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$399,000
$79,800
Loan Term
Monthly Payment
$2,210
Principal & Interest: $2,210
Property taxes (est.): $551
Insurance (est.): $266
Estimated Total Monthly
$3,027
*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.

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: ~1,666 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$367,680$227,182—
2024$353,508$220,072—
2023$327,485$212,206—
2022$280,331$204,569—
2021$247,154$197,154—
2020$35,000$35,000—

2025 property taxes (current owner): $3,647/yr

Estimated taxes if purchased at asking price: ~$6,600/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.

History

Price & status history

  • Sep 1, 2026Closed$409,000
  • Mar 5, 2026Listed$409,000

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 $192/sq ft; this home is listed at $197/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
86636 Serenity Lake Court, Yulee, FL 32097Listed by LPT REALTY LLCJul 2026$349,000$2033/21,7211050
86572 Lazy Lake Circle, Yulee, FL 32097Listed by HOVER GIRL PROPERTIESOct 2026$365,000$1923/21,904700.1
86230 Cloister Court, Yulee, FL 32097Listed by WATSON REALTY CORPOct 2026$412,000$1714/2.52,4151270.2
86154 Vegas Boulevard, Yulee, FL 32097Listed by WATSON REALTY CORPAug 2026$398,000$1793/22,228230.3
86209 Vegas Boulevard, Yulee, FL 32097Listed by HOVER GIRL PROPERTIESSep 2026$225,000$1333/21,69410.5
86010 Osheas Place, Yulee, FL 32097Listed by FIRST COAST HEROES REAL ESTATE LLCJul 2026$359,000$1993/21,806460.5

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$409,000
Price / Sq Ft$197
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,078
Acres0.17 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address86642 Serenity Lake Court, Yulee, FL 32097
Area481-Nassau County-Yulee South
SubdivisionThe Hideaway
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size7,405.2 sq ft
Parcel Number422N27437300430000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener
Waterfront TypePond

Interior

AppliancesDisposal, Electric Oven, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories2

Additional Information

Date ListedMarch 5, 2026
Days on Market21
HOA Fees$898 / Annually
HOA FrequencyAnnually
Tax Amount$3,646.87
Tax Year2025
Listing TermsAssumable, Cash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

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 The Hideaway

The Hideaway is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.

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More in The Hideaway

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 27, 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.

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20+ years · 500+ closings · NE Florida

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