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Active

Active·59 days on market

86572 Lazy Lake Circle

Yulee, FL 32097

$369,000$194/sqftEst. $1,895/moMLS# 2152597

Beds

Baths

1,904

Sq Ft

2019

Built

Garage

Pool

About this home

Yulee

Welcome to this well-maintained home in the desirable Hideaway community of Yulee. This beautiful 3-bedroom property offers a functional floor plan with spacious living areas and a separate office! There is abundant natural light, and a comfortable layout suited for everyday living and entertaining. The kitchen provides plenty of workspace, and the bedrooms offer generous proportions with a private backyard ideal for outdoor enjoyment. Conveniently located near shopping, dining, schools, and major commuter routes, this home offers easy access to Jacksonville, Amelia Island, and area beaches.

Cost to own

Mortgage calculator

Home Price

$369,000

Down Payment: 20%

$73,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,895

Principal & Interest: $1,895

Property taxes (est.): $509

Insurance (est.): $246

Estimated Total Monthly

$2,650

*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$1,895

Property taxesest. at asking price, Nassau County$509

HOAbilled annually$68

Estimated total, before insurance$2,472/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	$336,248	$332,247	—
2024	$323,555	$302,043	—
2023	$300,267	$274,585	—
2022	$257,196	$249,623	—
2021	$226,930	$226,930	—
2020	$211,111	$211,111	—

Estimated taxes if purchased at asking price: ~$6,100/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: material not specified — year not disclosed (home built 2019)

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

Solar potential: ~1,726 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

Price & status history

Jul 25, 2026Price change$369,000−$7,000
Jun 26, 2026Listed$376,000

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

Features

Price$369,000

Price / Sq Ft$194

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,904

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address86572 Lazy Lake Circle, Yulee, FL 32097

Area481-Nassau County-Yulee South

SubdivisionThe Hideaway

CityYulee

CountyNassau

StateFL

Zip Code32097

Parcel Number422N27437300540000

Amenities

AmenitiesPool, Clubhouse, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air

# of Stories1

LevelsOne