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Active

Active·7 days on market

77074 Crosscut Way

Yulee, FL 32097

$435,000$180/sqftEst. $2,218/moMLS# 2155602

Beds

Baths

2,422

Sq Ft

2020

Built

Garage

Pool

About this home

Yulee

Magazine worthy! Welcome to this beautifully maintained home in the highly desirable Lumber Creek community, where space, comfort, and functionality come together. TANKLESS water heater, never run out of hot water! This home offers the sought-after Four Winds floor plan, featuring five bedrooms, a downstairs primary suite, a dedicated office or additional bedroom, an oversized loft, and a private wooded backyard that creates the perfect backdrop for everyday living. Step inside to soaring ceilings, abundant natural light, and an open-concept layout designed for entertaining. The versatile room just off the entry is ideal for working from home, a playroom, or a quiet sitting area. The spacious kitchen is the heart of the home, complete with granite countertops, stainless steel appliances, a large breakfast bar, walk-in pantry, recessed lighting, and plenty of prep space, all overlooking the dining area and expansive family room.

Cost to own

Mortgage calculator

Home Price

$435,000

Down Payment: 20%

$87,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,218

Principal & Interest: $2,218

Property taxes (est.): $601

Insurance (est.): $290

Estimated Total Monthly

$3,108

*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$2,218

Property taxesest. at asking price, Nassau County$601

HOAbilled semi-annually$56

Estimated total, before insurance$2,874/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,018/yr · $418/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): $5,018/yr

Estimated taxes if purchased at asking price: ~$7,200/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 F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,782 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 16, 2026Price change$435,000+$10,000
Jul 16, 2026Listed$425,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$435,000

Price / Sq Ft$180

Bedrooms5

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,422

Acres0.16 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryWildlight

MiddleYulee

HighYulee

Community Information

Address77074 Crosscut Way, Yulee, FL 32097

Area481-Nassau County-Yulee South

SubdivisionLumber Creek

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size6,969.6 sq ft

Parcel Number092N27129201250000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySmoke Detector(s)

Spa FeaturesCommunity