$385,000
78021 SADDLE ROCK Road, Yulee, FL 32097, Yulee, FL 32097
Lumber Creek
- Price
- $385,000
- Beds / Baths
- 5 / 3
- Living area
- 2,436 sqft
- Year built
- 2017
- Type
- Residential
- Lot
- 0.33 ac
- Garage
- 2
- HOA
- $56/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 33
- Elementary
- Wildlight
- Middle
- Yulee
- High school
- Yulee
$158/sqft asking, vs a $186/sqft median across 933 closed sales in 32097 over the last 12 months — 15% below the area's closed prices. Condition and lot vary; that's what a showing is for.
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.
What to check on this one
- Verify roof age and get 4-point inspection—home is 9 years old, confirm no prior claims.
- Confirm flood zone officially—property listed as waterfront lot, check elevation certificate need.
- Review HOA docs for waterfront lot restrictions, maintenance obligations, special assessments.
- Inspect bulkhead/seawall condition and any required maintenance or bond agreements.
- Get pre-closing survey to confirm lot lines, easements, and waterfront setback compliance.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $308,000 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS. Data via realMLS (Northeast Florida MLS), updated Aug 9, 2026, 6:53 AM.
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