Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 122

Active

Active·116 days on market

86112 Lofton Court

Yulee, FL 32097

$405,000$203/sqftEst. $2,082/moMLS# 2143697

Beds

Baths

2,000

Sq Ft

2003

Built

—

Garage

Yes

Pool

About this home

Yulee

Discover Your Private Sanctuary on 5+ Acres Escape to a secluded paradise on over 5 stunning acres along scenic Lofton Creek. Custom entryway lighting and a brand-new front porch set the tone--step inside to beautiful new floors flowing through generous living spaces, a flexible bonus room, and a kitchen with abundant storage and a charming custom coffee bar. The primary suite is a true retreat, complete with a massive walk-in closet and a bright, airy en-suite bath. Outside, your personal oasis unfolds--a custom-built deck for entertaining, a sparkling 2-year-old saltwater pool, a picnic area, and nearly 200 feet of cleared yard melting into wooded trails that lead straight to the creek. A 12x24 workshop shed completes this outdoor paradise. Peace of mind is already built in: new water heater, 5-year-old HVAC, and recently serviced septic system. Properties this rare don't stay on the market long. Schedule your private showing today--before someone else does.

Cost to own

Mortgage calculator

Home Price

$405,000

Down Payment: 20%

$81,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,082

Principal & Interest: $2,082

Property taxes (est.): $559

Insurance (est.): $270

Estimated Total Monthly

$2,911

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,082

Property taxesest. at asking price, Nassau County$559

Estimated total, before insurance$2,641/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,619/yr · $218/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: $71,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$240,732	$160,243	—
2024	$194,954	$144,954	—
2023	$192,508	$141,855	—
2022	$133,044	$128,959	—
2021	$137,932	$117,235	—
2020	$132,616	$106,577	—

2025 property taxes (current owner): $2,619/yr

Estimated taxes if purchased at asking price: ~$6,700/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone E

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

Roof: material not specified — year not disclosed (home built 2003)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

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