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

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

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Active

$445,9004 bd · 2 ba · 1,867 sq ft

Active·8 days on market·Plummer Creek

78713 Goldfinch Lane

Yulee, FL 32097

$445,900$239/sqftEst. $2,431/mo mortgageMLS# 2172155
4
Beds
2
Baths
1,867
Sq Ft
2018
Built
2
Garage
No
Pool

7 more homes for sale in Plummer Creek →Search Plummer Creek on the map

FEMA Zone XHOA $62/moWaterfrontSingle Family Residence1 story

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

About this home

Plummer Creek

Morning coffee overlooking the pond, evenings beneath the pergolas, and the warmth of a wood burning fireplace when the weather turns cool. At 78713 Goldfinch Lane, thoughtfully upgraded spaces invite you to slow down, settle in, and feel at home. Located in Plummer Creek, this meticulously maintained four bedroom, two bath home blends coastal farmhouse charm with everyday comfort. Beautiful hardwood floors, high ceilings, plantation shutters, and upgraded fixtures create an inviting setting, while shiplap accents bring character to the kitchen and living area. Freshly painted interiors make moving in feel that much easier. The eat in kitchen features white cabinetry, white quartz countertops, stainless steel appliances, and a wraparound galley layout with an island overlooking the living room. Prepare dinner while catching up on the day, then gather around the beautiful wood burning fireplace. A separate dining or flex space offers room for holiday meals, hobbies, or whatever your

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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$2,431
Property taxesest. at asking price, Nassau County$597
HOAbilled annually$62
Estimated total, before insurance$3,090/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

$445,900
$89,180
Loan Term
Monthly Payment
$2,431
Principal & Interest: $2,431
Property taxes (est.): $597
Insurance (est.): $297
Estimated Total Monthly
$3,325
*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 G

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2018)

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

Solar potential: ~1,752 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.

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.

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2026$352,405$256,329—

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 320 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.

History

Price & status history

  • Nov 3, 2026Listed$445,900

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 $206/sq ft; this home is listed at $239/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
75026 Semper Fi Drive, Yulee, FL 32097Listed by HERRON REAL ESTATE LLCAug 2026$218,000$1253/21,739790.4
82079 Hooded Warbler Court, Yulee, FL 32097Listed by REAL BROKER LLCOct 2026$379,000$2223/21,707140.6
65805 Edgewater Drive, Yulee, FL 32097Listed by COLDWELL BANKER THE AMELIA GROUPOct 2026$352,000$2063/21,709120.6
65860 Edgewater Drive, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSOct 2026$369,900$2044/21,8122080.7
65908 Edgewater Drive, Yulee, FL 32097Listed by ERA ONETEAM REALTYOct 2026$389,900$2054/21,9021130.7
76842 Timbercreek Boulevard, Yulee, FL 32097Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$317,000$2073/21,53240.7

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$445,900
Price / Sq Ft$239
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,867
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

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

Community Information

Address78713 Goldfinch Lane, Yulee, FL 32097
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionPlummer Creek
CityYulee
CountyNassau
StateFL
Zip Code32097
Parcel Number122N26160300360000

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Clubhouse, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchAwning(s), Covered, Front Porch, Patio, Rear Porch, Screened, Terrace
FencingBack Yard
RoofShingle
ConstructionConcrete, Fiber Cement, Frame
Other StructuresGazebo

Additional Information

Date ListedNovember 3, 2026
Days on Market8
HOA Fees$745 / Annually
HOA FrequencyAnnually
HOA NamePlummer Creek HOA
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

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 Plummer Creek

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

View all Plummer Creek homes for sale →
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