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Active

Active·47 days on market

376 Chambers Avenue

Yulee, FL 32097

$432,350$196/sqftEst. $2,220/moMLS# 2154495

Beds

Baths

2,205

Sq Ft

2026

Built

Garage

Pool

About this home

Yulee

Introducing the Sunnydale+, a spacious two-story home offering 2,205 square feet, four bedrooms, and 2.5 bathrooms designed for both flexibility and everyday comfort. With its thoughtful separation of living and private areas, this plan is ideal for households that want room to spread out without sacrificing connection. The first floor welcomes you with a defined foyer that opens into a bright, open-concept living space. The kitchen anchors the home with a large layout, center island, and nearby pantry, flowing effortlessly into a café-style dining area and an expansive gathering room. This layout creates a natural hub for entertaining or daily routines, while direct access to the patio extends the living space outdoors. A conveniently located powder room, laundry area, and internal garage entry add to the practicality of the main level. Upstairs, all four bedrooms are thoughtfully arranged to maximize privacy.

Cost to own

Mortgage calculator

Home Price

$432,350

Down Payment: 20%

$86,470

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,220

Principal & Interest: $2,220

Property taxes (est.): $597

Insurance (est.): $288

Estimated Total Monthly

$3,105

*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$2,220

Property taxesest. at asking price, Nassau County$597

HOAbilled annually$13

Estimated total, before insurance$2,830/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Shingle — year not disclosed (home built 2026)

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

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