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Pending

Pending·73 days on market

523 Pine Lilly Loop

Yulee, FL 32097

$499,000$248/sqftEst. $2,544/moMLS# 2145171

Beds

Baths

2,016

Sq Ft

2026

Built

Garage

Pool

About this home

Yulee

Step into the newly released Anniston floor plan with upscale finishes! This spacious residence features 4 bedrooms, 3 full bathrooms, and a 3-car garage, with durable Luxury Vinyl Plank flooring enhancing the home's main living spaces. The gourmet kitchen is equipped with an Appliance Package, elegant 42-inch white cabinetry, quartz surfaces, a stylish white tile backsplash, and a large wrapped island ideal. The expansive living area is highlighted by a tray ceiling and opens effortlessly to the extended covered lanai. The owner's retreat offers a spa-like bathroom complete with a freestanding soaking tub, while added features such as a smart home system and carefully selected designer details elevate the home even further. Living in Wildlight means enjoying a vibrant community with amenities like Waterbug Park, sports courts, a kayak launch, walking and biking trails, a dog park, Coin Toss Park, and exciting future additions still to come. Contact us today!

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,544

Principal & Interest: $2,544

Property taxes (est.): $689

Insurance (est.): $333

Estimated Total Monthly

$3,566

*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$2,544

Property taxesest. at asking price, Nassau County$689

HOAbilled monthly$106

Estimated total, before insurance$3,339/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.

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 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

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

Jul 8, 2026Pending$499,000
May 14, 2026Listed$499,000

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

Features

Price$499,000

Price / Sq Ft$248

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,016

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUnder Construction

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address523 Pine Lilly Loop, Yulee, FL 32097

Area480-Nassau County-Yulee North

SubdivisionWesterly Park

CityYulee

CountyNassau

StateFL

Zip Code32097

Parcel Number503N27101001040000

Amenities

AmenitiesPool, Other, Children's Pool, Park, Playground, Trash

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods, Other

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Walk-In Closet(s), Other

AppliancesOther, Dishwasher, Gas Cooktop, Gas Oven, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup