Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·68 days on market

87238 Branch Creek Drive

Yulee, FL 32097

$425,000$166/sqftEst. $2,167/moMLS# 2147530

Beds

Baths

2,557

Sq Ft

2006

Built

Garage

Pool

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

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,167

Principal & Interest: $2,167

Property taxes (est.): $587

Insurance (est.): $283

Estimated Total Monthly

$3,037

*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$2,167

Property taxesest. at asking price, Nassau County$587

HOAbilled annually$31

Estimated total, before insurance$2,785/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
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: ~$7,000/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 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.

History