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

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Sold

Sold·Closed Jul 16, 2026·4 days on market·Recent sales in Yulee

86520 Oar Row S

Yulee, FL 32097

$658,464sold priceListed at $658,464 · 100% of asking$199/sqftMLS# 2155598
5
Beds
4.5
Baths
3,315
Sq Ft
2026
Built
3
Garage
No
Pool
HOA $123/moSingle Family Residence2 storiesNew construction

About this home

Yulee

Welcome to the Taylor Morrison Torres in the gated community of Headwaters at Lofton Creek. This beautiful home features an open concept design with a spacious great room, gourmet kitchen, dining area, and a desirable split bedroom layout. The first floor offers a private owner's suite, additional bedrooms, and a flexible space perfect for an office or study. Upstairs you will find a large bonus room, full bath, and additional bedroom, creating the perfect retreat for guests, a media room, or play space. Enjoy indoor and outdoor living with oversized sliding glass doors leading to a covered lanai. Headwaters offers resort style amenities including a pool, playground, dog park, walking trails, and more. Conveniently located near shopping, dining, Jacksonville International Airport, and Amelia Island beaches.

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$3,647
Property taxesest. at asking price, Nassau County$909
HOAbilled annually$123
Estimated total, before insurance$4,679/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

$658,464
$131,693
Loan Term
Monthly Payment
$3,647
Principal & Interest: $3,647
Property taxes (est.): $909
Insurance (est.): $439
Estimated Total Monthly
$4,995
*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.

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$10,900/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

  • Jul 16, 2026Closed$658,464
  • Jul 16, 2026Listed$658,464

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 $211/sq ft; this home is listed at $199/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
86646 Swift Launch Path, Yulee, FL 32097Listed by TAYLOR MORRISON REALTY OF FLASep 2026$570,000$2104/3.52,715100.1
86710 Meditation Court, Yulee, FL 32097Listed by NON MLS (realMLS)Aug 2026$679,311$2114/33,221280.2
85949 Miner Pines Court, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$755,000$2984/32,53121.2
85148 Sandy Ridge Loop 0017, Yulee, FL 32097Listed by MONOGRAM REALTY INCJun 2026$556,000$2034/32,736821.4
86718 Pages Dairy Road, Yulee, FL 32097Listed by TAYLORED REALTY, INC.Aug 2026$265,000$1023/22,595891.5
85228 Sandy Ridge Loop 0025, Yulee, FL 32097Listed by MONOGRAM REALTY INCJun 2026$539,500$2314/32,3401051.5

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$658,464
Price / Sq Ft$199
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage3,315
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address86520 Oar Row S, Yulee, FL 32097
Area480-Nassau County-Yulee North
SubdivisionLofton Creek
CityYulee
CountyNassau
StateFL
Zip Code32097
Parcel Number513N27070002110000

Amenities

UtilitiesElectricity Connected, Water Connected
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

AppliancesDishwasher, Dryer, Gas Cooktop, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories2

Additional Information

Date ListedJuly 16, 2026
Days on Market4
HOA Fees$1,476 / Annually
HOA FrequencyAnnually
Tax Amount$1,151.39
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: NON MLS (realMLS)

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 Jul 16, 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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