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Pending

Pending·18 days on market

96077 Out Creek Way

Yulee, FL 32097

$335,000$223/sqftEst. $1,708/moMLS# 2154291

Beds

Baths

1,504

Sq Ft

2008

Built

Garage

Pool

About this home

Yulee

Welcome to this beautifully maintained 3 bedroom, 2 bath home in Heron Isles! This home offers the perfect blend of comfort, functionality, and outdoor space. Situated on one of the largest lots in the neighborhood, this property provides an expansive backyard with endless possibilities. Inside, you'll find a bright, open-concept layout designed for everyday living and entertaining. The spacious living area flows seamlessly into the kitchen and dining space, creating the perfect setting for gatherings with family and friends. The split-bedroom floor plan offers privacy, while the primary suite provides a relaxing escape with an en-suite bathroom and generous closet space. Conveniently located just minutes from shopping, dining, schools, Jacksonville, and the beautiful beaches of Amelia Island, this home offers both tranquility and accessibility. Opportunities like this don't come along often- especially with a lot of this size. Schedule your private showing today!

Cost to own

Mortgage calculator

Home Price

$335,000

Down Payment: 20%

$67,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,708

Principal & Interest: $1,708

Property taxes (est.): $463

Insurance (est.): $223

Estimated Total Monthly

$2,394

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,708

Property taxesest. at asking price, Nassau County$462

HOAbilled annually$8

Estimated total, before insurance$2,179/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,521/yr · $377/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

Year	Market value	Taxable value	Change
2024	$257,471	$225,618	—
2023	$248,538	$205,107	—
2022	$215,659	$186,461	—
2021	$169,510	$169,510	—
2020	$159,478	$159,478	—

2025 property taxes (current owner): $4,521/yr

Estimated taxes if purchased at asking price: ~$5,500/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 (2024), 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 2008)

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

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,734 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