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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Yulee — a home near Yulee High School.

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Sold

Sold·Closed Sep 28, 2026·10 days on market·Recent sales in Yulee

86646 Swift Launch Path

Yulee, FL 32097

$570,000sold priceListed at $589,990 · 96.6% of asking$210/sqftMLS# 2154034
4
Beds
3.5
Baths
2,715
Sq Ft
2026
Built
3
Garage
No
Pool
FEMA Zone XHOA $122/mo9,583 sqft lotSingle Family Residence1 story

About this home

Yulee

What's Special: Gourmet Kitchen | Dedicated Study | 3-Car Garage | West Facing Lot. New Construction - October Completion! Built by America's Most Trusted Home Builder. Welcome to the Torres at 86646 Swift Launch Path in Headwaters at Lofton Creek! This modern home is thoughtfully designed for comfortable everyday living with a split layout centered around an open-concept gourmet kitchen with natural gas and spacious great room. Three secondary bedrooms are positioned toward the front of the home, including one with an ensuite bathroom that's ideal for overnight guests or older children, while the remaining two share a bathroom just off the foyer. The primary suite is privately tucked into the back corner and features a spa-like bathroom with a walk-in shower. The expansive great room easily accommodates large gatherings and opens through pocket sliding glass doors to a covered lanai for seamless indoor/outdoor Florida living. A private study completes the home.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,157
Property taxesest. at asking price, Nassau County$787
HOAbilled quarterly$122
Estimated total, before insurance$4,066/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,151/yr · $96/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$570,000
$114,000
Loan Term
Monthly Payment
$3,157
Principal & Interest: $3,157
Property taxes (est.): $787
Insurance (est.): $380
Estimated Total Monthly
$4,324
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Shingle — year not disclosed (home built 2026)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,599 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:28 AM, sunset 6:56 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,151/yr

Estimated taxes if purchased at asking price: ~$9,400/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, NEFMLS.

History

Price & status history

  • Sep 29, 2026Closed$589,990
  • Jul 17, 2026Pending$589,990
  • Jul 11, 2026Price change$589,990−$10,000
  • Jul 6, 2026Listed$599,990

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 $215/sq ft; this home is listed at $217/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
86710 Meditation Court, Yulee, FL 32097Listed by NON MLS (realMLS)Aug 2026$679,311$2114/33,221280.1
86520 Oar Row S, Yulee, FL 32097Listed by NON MLS (realMLS)Jul 2026$658,464$1995/4.53,31540.1
85949 Miner Pines Court, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$755,000$2984/32,53121.2
85417 Sandy Ridge Loop 0084, Yulee, FL 32097Listed by MONOGRAM REALTY INCSep 2026$467,500$2154/22,1712871.5
86718 Pages Dairy Road, Yulee, FL 32097Listed by TAYLORED REALTY, INC.Aug 2026$265,000$1023/22,595891.5
85350 Sandy Ridge Loop 0039, Yulee, FL 32097Listed by MONOGRAM REALTY INCJul 2026$490,900$2264/22,1711101.5

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

Price$589,990
Price / Sq Ft$217
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,715
Acres0.22 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address86646 Swift Launch Path, Yulee, FL 32097
Area480-Nassau County-Yulee North
Subdivision**verifying Subd**
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size9,583.2 sq ft
Lot Dimensions70x130
Parcel Number513N27070000060000
ZoningResidential

Amenities

AmenitiesChildren's Pool, Dog Park, Gated, Playground
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage Door Opener

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Range, Microwave
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Patio
RoofShingle
ConstructionFiber Cement, Frame
Road SurfacePaved

Additional Information

Date ListedJuly 6, 2026
Days on Market10
HOA Fees$367 / Quarterly
HOA FrequencyQuarterly
HOA NameHeadwaters at Lofton Creek HOA
Tax Amount$1,151.39
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TAYLOR MORRISON REALTY OF FLA

Sold by: NON MLS (realMLS) (buyer's brokerage)

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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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