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

This home is in The Hideaway, Yulee.

Photo 1 / 30
Active

Active·17 days on market·The Hideaway

86784 Lazy Lake Circle

Yulee, FL 32097

$470,000$212/sqftEst. $2,509/moMLS# 2164692
4
Beds
2
Baths
2,212
Sq Ft
2024
Built
2
Garage
No
Pool

6 more homes for sale in The Hideaway →Search The Hideaway on the map

FEMA Zone XHOA $75/mo6,534 sqft lotSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

The Hideaway

Modern, Move-In Ready & Just 12 Miles to the BEACH! Built in 2024, this beautifully maintained 4-bedroom, 2-bath SEDA home offers modern finishes, an ideal split-bedroom floor plan, and a prime location in a desirable community with NO CDD fees! The open-concept design creates an inviting flow between the living, dining, and kitchen areas, while the separate office/den provides the perfect flex space with lots of possibilities. The upgraded kitchen is a standout, featuring quartz countertops, stainless steel appliances, a spacious center island with bar seating, and an abundance of cabinetry and counter space. The formal dining room adds an elegant touch for entertaining and special occasions. The spacious primary suite is thoughtfully separated from the additional bedrooms for added privacy. Enjoy the outdoors from the extended covered front and rear porches, while the fully fenced backyard provides a great space for pets, play, or relaxing. Residents can walk to the

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,509
Property taxesest. at asking price, Nassau County$649
HOAbilled annually$75
Estimated total, before insurance$3,233/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,293/yr · $191/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

$470,000
$94,000
Loan Term
Monthly Payment
$2,509
Principal & Interest: $2,509
Property taxes (est.): $649
Insurance (est.): $313
Estimated Total Monthly
$3,471
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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: material not specified — year not disclosed (home built 2024)

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

Solar potential: ~1,749 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 September 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

YearMarket valueTaxable valueChange
2025$355,553$118,156—
2024$50,000$50,000—
2023$50,000$42,350—
2022$50,000$38,500—
2021$35,000$35,000—

2025 property taxes (current owner): $2,293/yr

Estimated taxes if purchased at asking price: ~$7,800/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 (2025), NEFMLS.

History

Price & status history

  • Sep 13, 2026Listed$470,000

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

Features

Price$470,000
Price / Sq Ft$212
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,212
Acres0.15 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address86784 Lazy Lake Circle, Yulee, FL 32097
Area481-Nassau County-Yulee South
SubdivisionThe Hideaway
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size6,534 sq ft
Parcel Number422N27437400490000

Amenities

AmenitiesPool, Playground
UtilitiesElectricity Available, Water Available
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
Spa FeaturesCommunity

Exterior

Patio / PorchCovered, Rear Porch
FencingBack Yard
ConstructionFrame

Additional Information

Date ListedSeptember 14, 2026
Days on Market12
HOA Fees$895 / Annually
HOA FrequencyAnnually
Tax Amount$2,293
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 The Hideaway

The Hideaway is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.

View all The Hideaway homes for sale →

Explore the area

More in The Hideaway

The Hideaway guides & reports

Your Local Realtor

Krista Fracke - Broker Associate

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 home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines