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Active

Active·69 days on market

65073 Mossy Creek Lane

Yulee, FL 32097

$334,900$208/sqftEst. $1,708/moMLS# 2145614

Beds

Baths

1,607

Sq Ft

2016

Built

Garage

Pool

About this home

Yulee

Conveniently located in River Glen, enjoy the coastal breeze in this beautifully updated, move-in-ready home in Yulee. This 3-bedroom, 2-bath DR Horton property offers over 1,600 square feet of bright, open-concept living in a highly desirable location. Recent upgrades include luxury vinyl plank flooring, fresh interior and exterior paint, updated bathrooms, and new landscaping. Custom pantry cabinetry and a stylish closet system add both function and design. The spacious kitchen features 42-inch crowned cabinets, stainless steel appliances, a walk-in pantry, and an oversized island that opens to a sun-filled great room--perfect for everyday living and entertaining. Natural light creates an airy, coastal feel throughout. The private primary suite sits at the rear of the home with a walk-in closet and en-suite bath with dual vanities. A fully fenced backyard is ideal for pets or relaxing evenings, plus an expanded driveway adds curb appeal.

Cost to own

Mortgage calculator

Home Price

$334,900

Down Payment: 20%

$66,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,708

Principal & Interest: $1,708

Property taxes (est.): $462

Insurance (est.): $223

Estimated Total Monthly

$2,393

*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$1,708

Property taxesest. at asking price, Nassau County$462

HOAbilled annually$9

Estimated total, before insurance$2,179/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.

Cost to own

Taxes & assessment

Last sold: $310,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$263,012	$210,601	—
2024	$253,958	$203,958	—
2023	$235,698	$210,711	—
2022	$203,442	$191,555	—
2021	$173,489	$173,489	—
2020	$160,498	$160,498	—

Estimated taxes if purchased at asking price: ~$5,500/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 G

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,697 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.

History