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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 Yulee — a home near Yulee High School.

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Sold

Sold·Closed May 8, 2026·10 days on market·Recent sales in Yulee

78228 Duckwood Trail

Yulee, FL 32097

$510,000sold priceListed at $510,000 · 100% of asking$189/sqftMLS# 2135600
5
Beds
3
Baths
2,696
Sq Ft
2011
Built
3
Garage
Yes
Pool
HOA $45/mo10,890 sqft lotSingle Family Residence2 stories

About this home

Yulee

Welcome to your own private retreat in Timber Creek, where space, style, and outdoor living come together beautifully. NEW ROOF TO BE INSTALLED BEFORE CLOSING. This 5 bedroom, 3 bathroom home with a spacious loft offers a bright, open layout designed for both everyday living and entertaining. The kitchen flows seamlessly into the living and dining areas, creating the perfect gathering space, while a separate dining or flex room provides additional versatility for a home office, playroom, or formal dining area. The thoughtfully designed floor plan includes one bedroom and full bathroom downstairs, ideal for guests, multi-generational living, or a private office space. Throughout the home you'll find beautiful luxury vinyl plank flooring and wood tread stairs with absolutely no carpet, creating a clean, modern feel from top to bottom. A water softener system adds everyday comfort and convenience, and the home also features paid-off solar

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$2,825
Property taxesest. at asking price, Nassau County$704
HOAbilled semi-annually$45
Estimated total, before insurance$3,574/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,099/yr · $342/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

$510,000
$102,000
Loan Term
Monthly Payment
$2,825
Principal & Interest: $2,825
Property taxes (est.): $704
Insurance (est.): $340
Estimated Total Monthly
$3,869
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 2011)

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

Solar potential: ~1,720 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

2025 property taxes (current owner): $4,099/yr

Estimated taxes if purchased at asking price: ~$8,400/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

  • Mar 19, 2026Listed$510,000

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 $181/sq ft; this home is listed at $189/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
76546 Timbercreek Boulevard, Yulee, FL 32097Listed by UNITED REAL ESTATE GALLERYAug 2026$510,000$1985/2.52,57270.2
76002 Tideview Lane, Yulee, FL 32097Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$478,000$1923/2.52,484590.2
76097 Tideview Lane, Yulee, FL 32097Listed by HERRON REAL ESTATE LLCAug 2026$350,000$1574/22,23420.3
77205 Cobblestone Drive, Yulee, FL 32097Listed by SEFAIR INVESTMENTS, INC.Jul 2026$264,000$1223/2.52,16340.3
65672 Edgewater Drive, Yulee, FL 32097Listed by COMPASS FLORIDA LLCJul 2026$373,400$1754/22,132360.4
75104 Morning Glen Court, Yulee, FL 32097Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$358,000$1814/21,974290.5

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$510,000
Price / Sq Ft$189
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,696
Acres0.25 acres
Year Built2011
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Salt Water, Screen Enclosure, Waterfall
Is WaterfrontNo

School Information

ElementaryWildlight
MiddleYulee
HighYulee

Community Information

Address78228 Duckwood Trail, Yulee, FL 32097
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionTimber Creek
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size10,890 sq ft
Parcel Number112N26205201330000

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Park
Community FeaturesSidewalks, Street Lights
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener, Guest
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringVinyl, Wood
# of Stories2

Exterior

Exterior FeaturesOutdoor Kitchen, Outdoor Shower
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchPatio, Screened
FencingBack Yard
RoofShingle
ConstructionFrame, Stucco, Vinyl Siding

Additional Information

Date ListedMarch 19, 2026
Days on Market10
HOA Fees$270.5 / Semi-Annually
HOA FrequencySemi-Annually
Tax Amount$4,099.4
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

Sold by: THE NEWCOMER GROUP (buyer's brokerage)

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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 8, 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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