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For sale
  • $385,000

    78021 Saddle Rock Rd, Yulee, FL 32097

    5beds
    2,435sqft
    : 
    $2,620/mo
    Get pre-qualified
    Single Family Residence
    Built in 2017
    0.33 Acres Lot
    $378,100 Zestimate®
    $158/sqft
    $56/mo HOA

    What's special

    Oversized waterfront lotPlenty of prep spaceAbundant natural lightOpen-concept floor planFrench doorEnergy-efficient appliancesGenerous walk-in closet
    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 for added privacy, complete with a spacious ensuite featuring a walk-in shower and a generous walk-in closet. Upstairs, you'll find four additional bedrooms centered around a versatile loft, creating the perfect space for a media room, playroom, second family room, or homework zone. Located just a short stroll from the community pool, clubhouse, and playground, Lumber Creek offers a wonderful neighborhood atmosphere with convenient access to shopping, dining, I-95, Kings Bay, Jacksonville, and the beautiful beaches of Amelia Island. If you've been searching for a spacious move-in-ready home with room to grow and an unbeatable lot size at a great price, this one is ready to welcome you home.
    5 days
    |
    630
    |
    63
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Melissa Ricks 904-548-8540,

    KELLER WILLIAMS REALTY / FB OFFICE

    Source: AINCAR,MLS#: 116881MLS LogoOriginating MLS: Amelia Island-Nassau County Assoc of Realtors Inc

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 5
      • Bathrooms: 3
      • Full bathrooms: 2
      • Partial bathrooms: 1
      Heating
      • Central, Electric
      Cooling
      • Central Air, Electric
      Appliances
      • Included: Dishwasher, Disposal, Microwave, Refrigerator, Stove
      Features
      • Ceiling Fan(s), Split Bedrooms, Cable TV
      • Windows: Aluminum Frames
      Interior area
      • Total structure area: 2,435
      • Total interior livable area: 2,435 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Two Car Garage, Garage Door Opener
      • Garage spaces: 2
      Features
      • Levels: Two
      • Stories: 2
      • Exterior features: Sprinkler/Irrigation
      • Pool features: None
      Lot
      • Size: 0.33 Acres
      • Dimensions: .33
      Details
      • Parcel number: 092N27129002200000
      • Zoning: x
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Two Story
      • Property subtype: Single Family Residence
      Materials
      • Fiber Cement
      • Roof: Shingle
      Condition
      • Resale
      • Year built: 2017

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Available

      Community & HOA

      Community
      • Subdivision: Lumber Creek
      HOA
      • Has HOA: Yes
      • HOA fee: $335 semi-annually
      Location
      • Region: Yulee

      Financial & listing details

      • Price per square foot: $158/sqft
      • Tax assessed value: $363,472
      • Annual tax amount: $3,251
      • Date on market: 7/30/2026
      • Cumulative days on market: 5 days
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Road surface type: Paved

        Estimated market value

        $378,100

        $359,000 - $397,000

        $2,839/mo

        Price history

        DateEventPrice
        7/30/2026Listed for sale$385,000+43.7%$158/sqft
        Source: realMLS #2157713 Report a problem
        7/17/2019Listing removed$268,000$110/sqft
        Source: WATSON REALTY CORP #981225 Report a problem
        7/16/2019Listed for sale$268,000$110/sqft
        Source: WATSON REALTY CORP #981225 Report a problem
        7/16/2019Pending sale$268,000$110/sqft
        Source: WATSON REALTY CORP #981225 Report a problem
        7/16/2019Listed for sale$268,000-0.7%$110/sqft
        Source: WATSON REALTY CORP #981225 Report a problem
        7/12/2019Sold$270,000+0.7%$111/sqft
        Source: AINCAR #86004 Report a problem
        6/16/2019Pending sale$268,000$110/sqft
        Source: WATSON REALTY CORP #981225 Report a problem
        6/4/2019Price change$268,000-0.7%$110/sqft
        Source: WATSON REALTY CORP #981225 Report a problem
        5/10/2019Price change$270,000-1.8%$111/sqft
        Source: WATSON REALTY CORP #981225 Report a problem
        4/16/2019Price change$275,000-3.2%$113/sqft
        Source: WATSON REALTY CORP #981225 Report a problem
        4/12/2019Price change$284,000-1%$117/sqft
        Source: WATSON REALTY CORP #981225 Report a problem
        4/1/2019Price change$287,000-1%$118/sqft
        Source: WATSON REALTY CORP #981225 Report a problem
        2/25/2019Listed for sale$290,000+17.5%$119/sqft
        Source: WATSON REALTY CORP #981225 Report a problem
        8/4/2017Sold$246,900$101/sqft
        Source: realMLS #875728 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$3,251 +1.4%$247,921 +3%
        2023$3,205 +10.5%$240,700 +3%
        2022$2,901 -1%$233,689 +3%
        2021$2,930 +0.2%$226,883 +1.4%
        2020$2,922 -1.7%$223,750 -0.4%
        2019$2,974 $224,708 +0.3%
        2018$2,974 -1%$224,111 +647%
        2017$3,003 +561.3%$30,000 +679.2%
        2016$454 +91.8%$3,850 +10%
        2015$237 +330.2%$3,500
        2014$55 $3,500
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 32097

        Getting around

        1 / 100
        Car-Dependent
        27 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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