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This home is in Mcgirts Creek, Yulee — a waterfront home in Nassau County.

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Active

$789,9905 bd · 4 ba · 3,281 sq ft

Active·4 days on market·Mcgirts Creek

96946 McGirts Creek Loop

Yulee, FL 32097

$789,990$241/sqftEst. $4,307/mo mortgageMLS# 2171980

Beds

Baths

3,281

Sq Ft

2025

Built

Garage

Pool

8 more homes for sale in Mcgirts Creek →Search Mcgirts Creek on the map

FEMA Zone XHOA $71/moWaterfrontSingle Family Residence2 storiesNew construction

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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.

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About this home

Mcgirts Creek

MODEL FOR SALE- LEASEBACK ONLY- This is a rare opportunity to own a model home! Welcome to the Jensen in McGirts Creek. This beautifully designed 5-bedroom, 4-bath home offers 3,281 sq. ft. of thoughtfully planned living space, with increased first-floor ceiling height, a spacious game room, and a 3-car garage. The open-concept layout centers on a gourmet kitchen that flows seamlessly into the family room and dining area, ideal for everyday living and entertaining. The luxurious owner's suite provides a private retreat, while the additional bedrooms offer flexibility for family and guests. Step outside to the covered lanai and enjoy peaceful views of the sparkling pond, where a premium waterfront homesite creates a serene backdrop for relaxing mornings and picturesque sunsets. Combining elegant design, functional space, and beautiful water views, this home offers the best of Florida living.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$4,307

Property taxesest. at asking price, Nassau County$1,091

HOAbilled annually$71

Estimated total, before insurance$5,468/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$789,990

Down Payment: 20%

$157,998

Interest Rate: 7.24%

Loan Term

Monthly Payment

$4,307

Principal & Interest: $4,307

Property taxes (est.): $1,091

Insurance (est.): $527

Estimated Total Monthly

$5,924

*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 D

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

Roof: material not specified — year not disclosed (home built 2025)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,501 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 November 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
Beach access 13, S Fletcher Ave. & S. Jefferson Ave.
22 min drive · 10 parking spaces
Closest park or preserve
Egans Creek Greenway
24 min drive · 3.6 mi of trails
Closest public boat ramp
Melton Nelson Park and Boat Ramp
about 3 mi · Lofton Creek
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dock
about 6 mi · Egan's Creek
Closest grocery store
Publix
7 min drive · 463855 State Road 200, Yulee

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

Nov 2, 2026Listed$789,990

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 $217/sq ft; this home is listed at $241/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
96899 McGirts Creek Loop, Yulee, FL 32097Listed by DREES REALTY	Jun 2026	$599,990	$203	4/3	2,953	56	0.1
97265 Castle Ridge Drive, Yulee, FL 32097Listed by FLORIDA HOMES REALTY & MTG LLC	Jun 2026	$625,000	$217	5/3	2,883	40	0.9
83029 Dowitcher Place, Yulee, FL 32097Listed by EXP REALTY LLC	Jun 2026	$560,000	$174	5/4	3,217	79	1.1
97535 Pirates Point Road, Yulee, FL 32097Listed by PINEYWOODS REALTY LLC	May 2026	$595,000	$237	3/2	2,513	143	1.1
96069 Breezeway Court, Yulee, FL 32097Listed by REDFIN CORPORATION	Sep 2026	$550,000	$221	4/3	2,494	36	1.2
97076 Arnold Ridge Drive, Yulee, FL 32097Listed by NEXT MOVE ATLANTIC COAST	Jul 2026	$455,000	$191	4/2	2,380	83	1.2

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$789,990

Price / Sq Ft$241

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,281

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

New ConstructionYes

School Information

This listingNo schools reported in the MLS

ElementaryYulee, reported on 2 other Mcgirts Creek listings

MiddleYulee, reported on 2 other Mcgirts Creek listings

HighYulee, reported on 2 other Mcgirts Creek listings

County schoolsNassau County Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address96946 McGirts Creek Loop, Yulee, FL 32097

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionMcgirts Creek

CityYulee

CountyNassau

StateFL

Zip Code32097

Parcel Number50-3N-28-0165-0029-0000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected

Water SourcePublic

ParkingGarage

Waterfront TypePond

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsOne, Two

LaundryElectric Dryer Hookup, Washer Hookup

Additional Information

Date ListedNovember 2, 2026

Days on Market4

HOA Fees$850 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: DREES REALTY

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 Mcgirts Creek

Mcgirts Creek is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.

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