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77074 Crosscut Way, Yulee, FL, 32097

5beds
3baths
2,422sqft
$435,000
$180price/sqft
$3,153/moest. monthly cost
$126,120/yrincome needed

About This Home

Magazine worthy! Welcome to this beautifully maintained home in the highly desirable Lumber Creek community, where space, comfort, and functionality come together. TANKLESS water heater, never run out of hot water! This home offers the sought-after Four Winds floor plan, featuring five bedrooms, a downstairs primary suite, a dedicated office or additional bedroom, an oversized loft, and a private wooded backyard that creates the perfect backdrop for everyday living. Step inside to soaring ceilings, abundant natural light, and an open-concept layout designed for entertaining. The versatile room just off the entry is ideal for working from home, a playroom, or a quiet sitting area. The spacious kitchen is the heart of the home, complete with granite countertops, stainless steel appliances, a large breakfast bar, walk-in pantry, recessed lighting, and plenty of prep space, all overlooking the dining area and expansive family room. The primary suite is privately tucked away at the rear of the home, featuring a spacious ensuite with dual vanities, a walk-in shower, and a generous walk-in closet. Upstairs, a massive loft provides endless possibilities for a second living area, media room, or game space, while four additional bedrooms and a full bath offer room for everyone. Relax in your large backyard overlooking the woods, and enjoy the added peace of mind provided by a whole-home Generac generator. Residents of Lumber Creek enjoy a community pool, clubhouse, affordable HOA, no CDD fees, and a prime location just minutes from shopping, dining, Jacksonville, and Amelia Island's beautiful beaches. This beaut will NOT last long!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
Yulee High SchoolGrades 5,9-121.9 mi
9/10
Yulee Middle SchoolGrades 6-82.0 mi
8/10
Wildlight ElementaryGrades PK-52.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2020

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Disposal,Microwave,Refrigerator,Water Softener Owned,Stove,Washer

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1

Features

  • Ceiling Fan(s),Split Bedrooms
  • Window features: Aluminum Frames

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,422
  • Total interior livable area: 2,422 sqft

Property

Details

  • Parcel number: 092N27129201250000
  • Zoning: X
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Rear Porch,Covered,Patio
  • Exterior features: Sprinkler/Irrigation

Lot

  • Lot size: 6,969 sqft
  • Lot size dimensions: .1600

Parking

  • Total spaces: 2
  • Parking features: Two Car Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Coastal Flooding
Hurricane
Heat Wave
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Nassau County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,199$26,388
Home Insurance *$237$2,844
Property Taxes $474$5,688
Electricity $243$2,924
Total$3,153$37,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,102/yr
40% on housing$94,590/yr
45% on housing$84,080/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.9%
14.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 32097$195
Nassau County$311

vs Homes Sold Last Month

Median $/sqft

ZIP 32097$197
Nassau County$223

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-16Listed for sale$435,000
2024-05-03Sold$408,000
2023-10-16Pending sale$408,000
2023-09-11Price change$408,000
2023-08-31Listed for sale$415,000
2023-08-15Listing removed--
2023-07-06Listed for rent$2,500
2022-06-28Listing removed--
2022-06-23Listed for rent$2,500
2020-09-04Sold$277,900
2020-06-15Pending sale$279,900
2020-06-11Price change$279,900
2020-05-28Listed for sale$282,900

For Sale by Agent

AgentMelissa Ricks
BrokerageKELLER WILLIAMS REALTY / FB OFFICE

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