1 / 45

Active

Active·70 days on market

77494 Lumber Creek Boulevard

Yulee, FL 32097

$389,000$161/sqftEst. $1,983/moMLS# 2145157

Beds

Baths

2,422

Sq Ft

2019

Built

Garage

Pool

About this home

Yulee

Welcome home to this spacious and beautifully designed and most popular Four Winds floor plan by LGI Homes, located in the desirable master-planned community of Lumber Creek in Yulee! NO CDD! This two-story home situated on a corner, cul de sac lot, offers an open and functional layout featuring 5 bedrooms, 2 full bathrooms, and a half bath, with plenty of room for families, guests, or working from home. The downstairs owner's suite is tucked away in back of home and provides added privacy, while the flexible front room can easily serve as a home office, guest room, library, or additional bedroom. The heart of the home features granite countertops, custom cabinetry, energy-efficient appliances, tile flooring throughout the main living areas, and an open-concept kitchen overlooking the spacious living and dining spaces. Upstairs, you'll find four generously sized bedrooms along with a massive loft perfect for a media room, game room, or second living area. Enjoy outdoor living with a

Cost to own

Mortgage calculator

Home Price

$389,000

Down Payment: 20%

$77,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,983

Principal & Interest: $1,983

Property taxes (est.): $537

Insurance (est.): $259

Estimated Total Monthly

$2,780

*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$1,983

Property taxesest. at asking price, Nassau County$537

HOAbilled semi-annually$56

Estimated total, before insurance$2,576/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,800/yr · $483/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

Year	Market value	Taxable value	Change
2025	$377,799	$377,799	—
2024	$363,182	$351,931	—
2023	$377,388	$319,937	—
2022	$322,309	$290,852	—
2021	$264,856	$264,411	—
2020	$240,374	$240,374	—

2025 property taxes (current owner): $5,800/yr

Estimated taxes if purchased at asking price: ~$6,400/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 (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 F

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

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,418 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

May 14, 2026Listed$389,000

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

Features

Price$389,000

Price / Sq Ft$161

Bedrooms5

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,422

Acres0.17 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address77494 Lumber Creek Boulevard, Yulee, FL 32097

Area481-Nassau County-Yulee South

SubdivisionLumber Creek

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size7,405.2 sq ft

Parcel Number092N27129200890000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Plumbed For Ice Maker, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)

Spa FeaturesCommunity