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97014 McGirts Creek Loop, Yulee, FL, 32097

4beds
3baths
2,525sqft
$575,600
$228price/sqft
$4,200/moest. monthly cost
$168,000/yrincome needed

About This Home

Our Wimbledon - 2525s.f. floor plan features an open living room seamlessly connected to a spacious Gourmet Kitchen, Family Room ideal for entertaining. This 4BR/3BA/3CG home includes a Master Suite with a walk-in shower as well as a walk-in closet. A covered porch extends the living area outdoors, while a separate guest bedroom with an adjoining bath ideal for guests during backyard parties/events. Our home sits on a 0.36-acre lake lot (15,856s.f.). ESTIMATED COMPLETION DATE: ON OR BEFORE MID OCTOBER 2026.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

9/10
Yulee Elementary SchoolGrades 3-53.8 mi
9/10
Yulee Middle SchoolGrades 6-84.4 mi
5/10
Yulee High SchoolGrades 5,9-124.6 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Shingle
  • Construction materials: Fiber Cement

Other

  • Builder name: NEW ATLANTIC BUILDERS

Type & Style

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

Interior

Appliances

  • Appliances included: Some Gas Appliances,Dishwasher,Disposal,Microwave,Oven,Stove,Ice Maker

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Window features: Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 2,525
  • Total interior livable area: 2,525 sqft

Property

Details

  • Parcel number: 503N28016500340000
  • Zoning: RES
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: Sprinkler/Irrigation
  • Waterfront features: Pond

Lot

  • Lot size: 0.36 Acres
  • Features: Irregular Lot
  • Lot size dimensions: 15856s.f.

Parking

  • Total spaces: 3
  • Parking features: Three Car Garage,Three or more Spaces,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

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

How This Home’s Risks Compare

Coastal Flooding
Lightning
Wildfire
Hurricane
Heat Wave
Tornado
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 $2,910$34,920
Home Insurance *$313$3,756
Property Taxes $723$8,676
Electricity $254$3,049
Total$4,200$50,400
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$144,000/yr
40% on housing$126,000/yr
45% on housing$112,000/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

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 32097$194
Nassau County$310

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)

No zestimate history available

Price History

DateEventPrice
2026-07-20Listed for sale$575,600

New Construction

AgentGabriel Techera
BrokerageSOUTHEAST ATLANTIC REALTY

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