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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Yulee.

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Active·125 days on market

87238 Branch Creek Drive

Yulee, FL 32097

$410,000$160/sqftEst. $2,189/moMLS# 2147530
↓ $20,000 below original list
4
Beds
3
Baths
2,557
Sq Ft
2006
Built
2
Garage
No
Pool
FEMA Zone XHOA $31/mo12,632 sqft lotSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Yulee

Nestled in the highly desirable Creekside neighborhood in Yulee. This 4 bedroom, 3 bathroom home offers over 2,557 square feet of thoughtfully designed living space with high ceilings. This home is perfect for families seeking room to grow in Nassau County's most sought-after community. The open and functional floor plan features a formal dining room, dedicated home office, spacious laundry room, kitchen bar, walk in pantry and a sunny breakfast nook ideal for everyday living and entertaining. Spacious bedrooms provide comfort and privacy for the whole family, while the luxurious primary suite comes with a soaking tub and walk-in closet. Located within top-rated Nassau County school district, this Yulee home offers unbeatable access to shopping & dining while still able to retreat to the quiet Creekside Neighborhood. Roof 2023 | Water Heater 2026 | 2 Car Garage | Seller will help with closing cost with Full Price Offer.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,189
Property taxesest. at asking price, Nassau County$566
HOAbilled annually$31
Estimated total, before insurance$2,786/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,262/yr · $272/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$410,000
$82,000
Loan Term
Monthly Payment
$2,189
Principal & Interest: $2,189
Property taxes (est.): $566
Insurance (est.): $273
Estimated Total Monthly
$3,028
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 E

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

Roof: material not specified — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

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

Solar potential: ~1,732 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$436,141$202,093—
2024$419,271$195,690—
2023$404,207$188,534—
2022$293,645$181,586—
2021$264,736$174,841—
2020$244,761$171,737—

2025 property taxes (current owner): $3,262/yr

Estimated taxes if purchased at asking price: ~$6,800/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

  • Aug 18, 2026Price change$410,000−$15,000
  • Jul 30, 2026Price change$425,000−$5,000
  • May 28, 2026Listed$430,000

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

Features

Price$410,000
Price / Sq Ft$160
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,557
Acres0.29 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address87238 Branch Creek Drive, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionYulee
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size12,632.4 sq ft
Parcel Number513N27026200350000

Amenities

Community FeaturesSidewalks, Fishing
UtilitiesCable Available, Electricity Connected, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Double Oven, Electric Cooktop, Ice Maker
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
FireplaceYes
Fireplace FeaturesElectric
# of Stories1
LevelsOne

Exterior

Patio / PorchPorch, Rear Porch
FencingWood
ConstructionBlock
Road SurfaceAsphalt

Additional Information

Date ListedMay 28, 2026
Days on Market92
HOA Fees$370 / Annually
HOA FrequencyAnnually
Tax Amount$3,261.72
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KIM COX REAL ESTATE GROUP

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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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