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Pending

Pending·54 days on market

86646 Swift Launch Path

Yulee, FL 32097

$589,990$217/sqftEst. $3,033/moMLS# 2154034

Beds

Baths

2,715

Sq Ft

2026

Built

Garage

Pool

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

Mortgage calculator

Home Price

$589,990

Down Payment: 20%

$117,998

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,033

Principal & Interest: $3,033

Property taxes (est.): $815

Insurance (est.): $393

Estimated Total Monthly

$4,241

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,033

Property taxesest. at asking price, Nassau County$814

HOAbilled quarterly$122

Estimated total, before insurance$3,970/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).

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$9,800/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, 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 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.

History

Price & status history

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.

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

StatusPending

# 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

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)