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Active

Active·42 days on market

77707 Lumber Creek Boulevard

Yulee, FL 32097

$350,000$227/sqftEst. $1,785/moMLS# 2150136

Beds

Baths

1,543

Sq Ft

2019

Built

Garage

Pool

About this home

Yulee

Rare opportunity to own one of the LARGEST lots in Lumber Creek! UPGRADES GALORE and SO MUCH MORE in this beautifully maintained 4-bedroom home that has been recently renovated and is MOVE-IN READY! Prepare to be impressed with the oversized fenced yard that provides privacy and plenty of room to relax (And build a pool), entertain, and enjoy a cool breeze from the surrounding ponds. This Lumber Creek retreat features an extended covered patio, fire pit, fountain, outdoor lighting, lush NEW sod, NEW landscaping & fragrant jasmine creating a peaceful setting day & night. An outdoor storage shed adds even more functionality to this impressive outdoor space. Inside, you'll find numerous UPDATES & UPGRADES including NEW interior paint, NEW flooring, NEW lighting, and an UPGRADED kitchen w/ granite countertops, Espresso cabinets w/ crown molding, a custom spice rack, and an extended breakfast bar. The finished garage is a man's dream space w/ UPGRADED lighting, epoxy floor & fully painted.

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,785

Principal & Interest: $1,785

Property taxes (est.): $483

Insurance (est.): $233

Estimated Total Monthly

$2,501

*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$1,785

Property taxesest. at asking price, Nassau County$483

HOAbilled semi-annually$56

Estimated total, before insurance$2,324/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

Year	Market value	Taxable value	Change
2025	$260,216	$260,216	—
2024	$250,880	$243,891	—
2023	$259,982	$221,719	—
2022	$224,302	$201,563	—
2021	$183,475	$183,239	—
2020	$166,581	$166,581	—

Estimated taxes if purchased at asking price: ~$5,800/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.

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 2019)

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

Solar potential: ~1,653 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