This home is in Mcgirts Creek, Yulee.
Active·121 days on market·Mcgirts Creek
97003 McGirts Creek Loop
Yulee, FL 32097
7 more homes for sale in Mcgirts Creek →Search Mcgirts Creek on the map
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About this home
Mcgirts Creek
**MOTIVATED SELLER! BEAUTIFUL DREES-BUILT HOME IN YULEE, FL!** Don't miss this upgraded 4-bedroom, 3-bathroom home in McGirt's Creek offering 2,336 sq. ft. of living space and exceptional features! **HOME HIGHLIGHTS:** - Spacious split-bedroom floor plan - Open-concept kitchen with large island and walk-in pantry - Private owner's suite with walk-in closet - Screened-in lanai and fully fenced backyard - Oversized 3-car garage with Shark Coatings epoxy flooring - 10x16 outdoor storage building - Durable 2x6 exterior walls with transferable warranty **PRIME LOCATION!** Just minutes from Wildlight, shopping, dining, top-rated schools, Amelia Island beaches, and Jacksonville International Airport! **$5,000 TOWARD BUYER'S CLOSING COSTS!** Seller is motivated and offering $5,000 toward closing costs with an acceptable offer! Enjoy quality construction, modern upgrades, and plenty of space in a desirable Yulee community. **PRICED TO SELL!
Next steps in Mcgirts 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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: material not specified — year not disclosed (home built 2025)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,295 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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
Beach access 13, S Fletcher Ave. & S. Jefferson Ave.22 min drive · 10 parking spaces
Closest park or preserve
Egans Creek Greenway24 min drive · 3.6 mi of trails
Closest public boat ramp
Melton Nelson Park and Boat Rampabout 3 mi · Lofton Creek
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 6 mi · Egan's Creek
Closest grocery store
Publix7 min drive · 463855 State Road 200, 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $135,000 | $135,000 | — |
| 2024 | $29,000 | $29,000 | — |
2025 property taxes (current owner): $2,072/yr
Estimated taxes if purchased at asking price: ~$8,800/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
- Sep 21, 2026Price change$530,000−$5,000
- Aug 24, 2026Price change$535,000−$10,000
- Aug 3, 2026Price change$545,000−$2,500
- Jul 20, 2026Price change$547,500−$2,500
- Jun 25, 2026Listed$550,000
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 $237/sq ft; this home is listed at $227/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96899 McGirts Creek Loop, Yulee, FL 32097Listed by DREES REALTY | Jun 2026 | $599,990 | $203 | 4/3 | 2,953 | 56 | 0.2 |
| 97040 Rhianna Lane, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Oct 2026 | $430,000 | $242 | 3/2 | 1,777 | 78 | 0.5 |
| 97046 Katfish, Yulee, FL 32097Listed by ALFA REALTORS CORP | Jun 2026 | $315,501 | $154 | 3/2 | 2,050 | 10 | 0.5 |
| 97265 Castle Ridge Drive, Yulee, FL 32097Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $625,000 | $217 | 5/3 | 2,883 | 40 | 0.9 |
| 96235 Sweetbriar Lane, Yulee, FL 32097Listed by COMPASS FLORIDA LLC | Jul 2026 | $510,000 | $240 | 4/2 | 2,127 | 63 | 1 |
| 97535 Pirates Point Road, Yulee, FL 32097Listed by PINEYWOODS REALTY LLC | May 2026 | $595,000 | $237 | 3/2 | 2,513 | 143 | 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
Additional Information
Listing Courtesy of: HASSLE-FREE REALTY LLC
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 Mcgirts Creek
Mcgirts Creek is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.
View all Mcgirts Creek homes for sale →Keep looking
More homes in Mcgirts Creek
For Sale97019 McGirts Creek LoopYulee, FL 32097
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For Sale96888 McGirts Creek LoopYulee, FL 32097
4 bd · 3 ba · 3,011 sq ft
$664,990Est. $3,539/moStep into the Marshall, a stunning 3,011 sq. ft. home designed for the way you live today. This thoughtfully crafted…
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Pending97030 McGirts Creek LoopYulee, FL 32097
4 bd · 4 ba · 2,420 sq ft
$744,515Est. $3,963/moJensen B- 4 Bed 4 Bath
Listing Office: drees realty
For RentLease
97003 McGirts Creek LoopYulee, FL 32097
4 bd · 3 ba · 2,336 sq ft
$3,500/moWelcome to this beautiful 4-bedroom, 3-bathroom home in the highly sought-after McGirt's Creek community in Yulee!…
Listing Office: hassle-free realty llc
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Your Local Realtor
Krista Fracke
Broker Associate
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