This home is in Lumber Creek, Yulee.
Active·157 days on market·Lumber Creek
77027 Hardwood Court
Yulee, FL 32097
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About this home
Lumber Creek
Nestled on a quiet cul-de-sac in desirable Yulee, a beautifully maintained 4-bedroom, 2-bath home offers exceptional functionality, storage, and outdoor living with peaceful pond preserve views. Conveniently located near both Jacksonville, Fernandina Beach, and a community park. This property combines comfort and convenience in one ideal location. The spacious oversized garage is equipped with two large storage cabinets, an 8x4 hanging storage rack, and attic access with flooring for additional storage space. Additional upgrades include hurricane shutters and a central vacuum system. Inside, the home features a double convection oven and includes an Electrolux washer and dryer package. Step outside to an incredible 20x30 screened patio with tile flooring and three ceiling fans, perfect for entertaining or relaxing year-round. Covered extensions on each end provide dedicated space for grilling and golf cart storage, while the serene pond preserve backdrop adds privacy and tranquility.
Next steps in Lumber Creek
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,726 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Scott Road Beach Accessabout 10 mi · 100 parking spaces
Closest park or preserve
Betz-Tiger Point Preserveabout 11 mi · 4.3 mi of trails
Closest public boat ramp
John F. Claxton (aka. Wilson Neck) Boat Rampabout 2 mi · Nassau River
Closest kayak & paddleboard launch
Four Creeks State Forest – Boggy Creek Landing Canoe Accessabout 7 mi · Boggy Creek
Closest grocery store
Publixabout 2 mi · 76010 William Burgess Blvd, Yulee
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:34 AM, sunset 6:48 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $307,582 | $187,396 | — |
| 2024 | $279,814 | $164,828 | — |
| 2023 | $290,233 | $158,571 | — |
| 2022 | $249,469 | $152,496 | — |
| 2021 | $217,477 | $146,598 | — |
| 2020 | $200,470 | $139,692 | — |
2025 property taxes (current owner): $3,036/yr
Estimated taxes if purchased at asking price: ~$7,500/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.
History
Price & status history
- May 18, 2026Listed$450,000
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 $220/sq ft; this home is listed at $243/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 77727 Lumber Creek Boulevard, Yulee, FL 32097Listed by COMPASS FLORIDA LLC | Aug 2026 | $355,000 | $193 | 4/2 | 1,842 | 85 | 0.1 |
| 77707 Lumber Creek Boulevard, Yulee, FL 32097Listed by WATSON REALTY CORP | Oct 2026 | $340,000 | $220 | 4/2 | 1,543 | 79 | 0.2 |
| 77021 Birdseye Court, Yulee, FL 32097Listed by LA ROSA REALTY JACKSONVILLE, LLC. | Aug 2026 | $365,000 | $197 | 4/2 | 1,854 | 172 | 0.2 |
| 379 Chambers Avenue, Yulee, FL 32097Listed by D R HORTON REALTY INC | Sep 2026 | $379,350 | $229 | 3/2 | 1,655 | 17 | 1 |
| 344 Chambers Avenue, Yulee, FL 32097Listed by D R HORTON REALTY INC | Sep 2026 | $387,350 | $234 | 3/2 | 1,655 | 24 | 1 |
| 76390 Dove Road, Yulee, FL 32097Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $333,400 | $140 | 3/2 | 2,378 | 34 | 1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
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.
The neighborhood
About Lumber Creek
Lumber Creek is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.
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Krista Fracke
Broker Associate
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