This home is in Lumber Creek, Yulee — a home near Yulee High School.
Pending·72 days on market·Lumber Creek
78021 Saddle Rock Road
Yulee, FL 32097
2 more homes for sale in Lumber Creek →Search Lumber Creek on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Lumber Creek
Lumber Creek beaut! Perfectly positioned on an oversized waterfront lot, this beautifully maintained 5-bedroom, 2.5-bath home offers the ideal combination of functional living space, modern updates, and incredible backyard views. Step inside to find a dedicated formal office just off the entry, complete with French door, creating the perfect space for working from home, a playroom, or a quiet retreat. Beyond the entry, the open-concept floor plan showcases brand-new luxury vinyl plank flooring throughout the main living areas and office, abundant natural light, and a spacious family room that flows seamlessly into the kitchen and dining area. Large picture windows frame the peaceful water views, while the covered lanai invites relaxation in the private backyard setting. The kitchen offers ample cabinetry, plenty of prep space, energy-efficient appliances, and an open design perfect for entertaining or everyday living. The thoughtfully designed layout places the primary suite downstairs
Next steps in Lumber Creek
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2017)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,783 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,297/yr
Estimated taxes if purchased at asking price: ~$6,400/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
- Sep 2, 2026Pending$385,000
- Jul 30, 2026Listed$385,000
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 $197/sq ft; this home is listed at $158/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 77727 Lumber Creek Boulevard, Yulee, FL 32097Listed by COMPASS FLORIDA LLC | Aug 2026 | $355,000 | $193 | 4/2 | 1,842 | 85 | 0.3 |
| 77021 Birdseye Court, Yulee, FL 32097Listed by LA ROSA REALTY JACKSONVILLE, LLC. | Aug 2026 | $365,000 | $197 | 4/2 | 1,854 | 172 | 0.3 |
| 76236 Long Pond Loop, Yulee, FL 32097Listed by PALM III REALTY AND PROPERTY M | Jun 2026 | $312,000 | $177 | 3/2 | 1,765 | 13 | 0.5 |
| 76390 Dove Road, Yulee, FL 32097Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $333,400 | $140 | 3/2 | 2,378 | 34 | 0.8 |
| 86221 Express Court, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $365,000 | $214 | 4/2 | 1,705 | 6 | 0.9 |
| 85559 Winona Bayview Road, Yulee, FL 32097Listed by MARK SPAIN REAL ESTATE | Jul 2026 | $478,000 | $218 | 5/3 | 2,188 | 31 | 0.9 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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.
The neighborhood
About Lumber Creek
Lumber Creek is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.
View all Lumber Creek homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines