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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Pending

Pending·70 days on market

344 Chambers Avenue

Yulee, FL 32097

$387,350$234/sqftEst. $1,989/moMLS# 2150909

Beds

Baths

1,655

Sq Ft

2026

Built

Garage

Pool

About this home

Yulee

The Berkeley+ floor plan features 1,655 square feet of thoughtfully designed living space, perfectly suited for first time homebuyers or those looking to downsize while maintaining comfort and style. This home features three spacious bedrooms and two full bathrooms, offering ample room for families, guests, or a home office. The open-concept design creates a bright and inviting atmosphere, with plenty of windows and a vaulted ceiling in the main living areas, seamlessly connecting the kitchen, dining, and living areas great for easy entertaining and everyday living. The kitchen provides generous counter space, plenty of storage, and a practical layout. Retreat to the main bedroom suite with its private bathroom, designed as a peaceful sanctuary to unwind after a busy day. Additional highlights include a two-car garage for convenience and flexible living spaces that adapt to your unique needs. The Berkeley+ strikes the perfect balance between functionality and charm.

Cost to own

Mortgage calculator

Home Price

$387,350

Down Payment: 20%

$77,470

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,989

Principal & Interest: $1,989

Property taxes (est.): $535

Insurance (est.): $258

Estimated Total Monthly

$2,782

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,989

Property taxesest. at asking price, Nassau County$535

HOAbilled annually$13

Estimated total, before insurance$2,537/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2026)

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

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