5 beds2,436 sqft$158/sqft
78021 Saddle Rock Rd, Yulee, FL 32097
Est: $2,288/moGet pre-approved

Description

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...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
LISTING UPDATED: 07/30/2026 11:17 AM

  1. Listed by MELISSA RICKS • KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Property Details for 78021 Saddle Rock Road

Status
MLS #
2157713
Days on Market
5
Taxes
-
HOA Fees
$335 semi-annually
Condo/Co-op Fees
-
Property Type
MLS Type
Residential / Single Family Residence
Year Built
2017
Lot Size
0.33 AC / 14,374 SF
Architectural Style
Traditional
Senior Community YN
No
View
Pond
Subdivision Name
Lumber Creek

Location

Listing Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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Building Information for 78021 Saddle Rock Road

Stories2Year Built2017Building Size-Lot Size0.33 AC / 14,374 SF

Payment Calculator

$2,288 per month

30 year fixed, 6.55% Interest

Principal and Interest

$1,957

Property Taxes

$275

HOA Dues

$56

The Payment Calculator is for illustrative purposes only.

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Property Information for 78021 Saddle Rock Road

Summary
Location and General Information
  • Country: US
  • Directions: From I-95 take exit FL-200/FL-A1A toward Fernandina Beach. Continue on FL-200 and turn right on William Burgess Blvd. Turn right onto N Harts Rd then right onto Lumber Crk Dr. Continue straight onto Saddle Rock Rd and home will be on left.
  • Road Frontage Type: City Street
  • MLS Area Major: Ar 8 Mainland, Sub 1
  • City: Yulee
  • State: FL
  • Postal Code: 32097
  • County: Nassau
  • Latitude: 30.609058
  • Longitude: -81.611155
  • MLS Area Minor: 481-Nassau County-Yulee South
  • Zoning: x
  • General Property Information: Waterfront YN: No
  • General Property Information: Senior Community YN: No
  • General Property Information: Accessibility Features YN: No
  • Road Frontage Type: City Street: Yes
  • Road Surface Type: Asphalt: Yes
  • View: Pond: Yes
Taxes and HOA Information
  • Parcel Number: 092N27129002200000
  • Tax Legal Description: LOT 220 LUMBER CREEK #1 PB 7/295 N/K/A LUMBER CREEK PHASE ONE REPLAT
  • Association Fee: $335.00
  • Association Fee Frequency: Semi-Annually
  • Association YN: Yes
  • General Property Information: CDD Fee YN: No
  • General Property Information: Association YN: Yes
  • General Property Information: Association Fee: 335.0
  • General Property Information: Association Fee Frequency: Semi-Annually
School Information
  • Elementary School: Wildlight
  • High School: Yulee
  • Middle School: Yulee
Parking
  • Carport YN: false
  • Garage Spaces: 2
  • Garage YN: Yes
  • Parking Features: Attached, Garage, Garage Door Opener
  • Attached Garage: Yes
  • General Property Information: Garage YN: Yes
  • General Property Information: Garage Spaces: 2.0
  • General Property Information: Carport YN: No
  • Parking Features: Attached: Yes
  • Parking Features: Garage: Yes
  • Parking Features: Garage Door Opener: Yes
Property
Lot Information
  • Building Area Total: 2435.0
  • Living Area Source: Public Records
  • Lot Features: Sprinklers In Front, Sprinklers In Rear
  • Lot Size Acres: 0.33
  • Lot Size Dimensions: .33
  • Living Area: 2436.0
  • Building Area Source: Assessor
  • Lot Size Area: 0.33
  • Lot Size Units: Acres
  • Lot Size Square Feet: 14374.8
Property and Assessments
  • Current Use: Residential, Single Family
  • New Construction YN: No
  • Property Attached YN: No
  • Year Built: 2017
  • MLS Approval Status: Yes
  • Room Total: 0.0
  • General Property Information: Lot Size Acres: 0.33
  • General Property Information: Bathrooms Half: 1.0
  • General Property Information: Living Area: 2436.0
  • General Property Information: Living Area Source: Public Records
  • General Property Information: Accessory Dwelling Unit Y/N: No
  • General Property Information: New Construction YN: No
  • General Property Information: List Price/SqFt: 158.05
  • Green Energy Efficient: Appliances: Dishwasher, Disposal, Microwave, Refrigerator, Stove
  • Lot Features: Sprinklers In Front: Yes
  • Lot Features: Sprinklers In Rear: Yes
Utilities
  • Sewer: Public Sewer
  • Water Source: Public
  • Sewer: Public Sewer: Yes
  • Utilities: Cable Available: Yes
  • Utilities: Electricity Connected: Yes
  • Utilities: Sewer Connected: Yes
  • Utilities: Water Connected: Yes
  • Water Source: Public: Yes
Interior and Exterior Features
Exterior Features
  • Exterior Features: Sprinkler Irrigation
  • Patio And Porch Features: Covered, Front Porch, Rear Porch
  • Road Surface Type: Asphalt
  • Security Features: Smoke Detector(s)
  • Construction Materials: Fiber Cement
  • Construction Materials: Fiber Cement: Yes
  • Roof: Shingle: Yes
  • Security Features: Smoke Detector(s): Yes
  • Architectural Style: Traditional: Yes
  • Patio And Porch Features: Covered: Yes
  • Patio And Porch Features: Front Porch: Yes
  • Patio And Porch Features: Rear Porch: Yes
Interior Features
  • Stories: 2
  • Cooling: Central Air
  • Interior Features: Breakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
  • Laundry Features: Electric Dryer Hookup, In Unit, Lower Level, Washer Hookup
  • Levels: Two
  • Spa Features: Community
  • Heating: Central
  • Flooring: Concrete, Vinyl
  • Bathrooms Total (Integer): 3
  • Bathrooms Total (Decimal): 2.5
  • Bathrooms Total (Notational): 2.1
  • Cooling: Yes
  • Heating: Yes
  • Window Features: Aluminum Frames
  • Bathrooms Partial: 1
  • General Property Information: Stories: 2.0
  • Appliances: Dishwasher: Yes
  • Appliances: Disposal: Yes
  • Appliances: Dryer: Yes
  • Appliances: Electric Oven: Yes
  • Appliances: Electric Range: Yes
  • Appliances: Electric Water Heater: Yes
  • Appliances: Ice Maker: Yes
  • Appliances: Microwave: Yes
  • Appliances: Refrigerator: Yes
  • Appliances: Washer: Yes
  • Cooling: Central Air: Yes
  • Flooring: Concrete: Yes
  • Flooring: Vinyl: Yes
  • Heating: Central: Yes
  • Laundry Features: Electric Dryer Hookup: Yes
  • Laundry Features: In Unit: Yes
  • Laundry Features: Lower Level: Yes
  • Laundry Features: Washer Hookup: Yes
  • Levels: Two: Yes
  • Spa Features: Community: Yes
  • Interior Features: Breakfast Bar: Yes
  • Interior Features: Ceiling Fan(s): Yes
  • Interior Features: Eat-in Kitchen: Yes
  • Interior Features: Entrance Foyer: Yes
  • Interior Features: Open Floorplan: Yes
  • Interior Features: Pantry: Yes
  • Interior Features: Primary Bathroom - Shower No Tub: Yes
  • Interior Features: Primary Downstairs: Yes
  • Interior Features: Split Bedrooms: Yes
  • Interior Features: Walk-In Closet(s): Yes
Agent
Showing and Remarks
  • Public Remarks: 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
  • General Property Information: Directions: From I-95 take exit FL-200/FL-A1A toward Fernandina Beach. Continue on FL-200 and turn right on William Burgess Blvd. Turn right onto N Harts Rd then right onto Lumber Crk Dr. Continue straight onto Saddle Rock Rd and home will be on left.
  • General Property Information: Public Remarks: 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
Rental
Rental Information
  • Utilities: Cable Available, Electricity Connected, Sewer Connected, Water Connected
  • Roof: Shingle

Property History for 78021 Saddle Rock Road

DateEvent & SourcePriceAppreciation
Jul 30, 2026

Listed (Active)

Amelia Island Nassau County Association of REALTORS #116881

$385,000
Jul 29, 2026

Listed (Active)

NEFMLS #2157713

$385,000
Jul 12, 2019

Sold

Amelia Island Nassau County Association of REALTORS #86004

$270,000
DateEvent & SourcePrice
07/30/2026

Listed (Active)

Amelia Island Nassau County Association of REALTORS #116881

$385,000
07/29/2026

Listed (Active)

NEFMLS #2157713

$385,000
07/12/2019

Sold

Amelia Island Nassau County Association of REALTORS #86004

$270,000

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 78021 Saddle Rock Road

Taxable ValueLand-Additions-Total-
Tax Record2025$3,297 ($275 / month)
Home Facts
Beds5Baths2.5Total Finished SqFt2,436 SqFtAbove Grade Finished SqFt2,436 SqFtStories2Lot Size14,371 SqFtStyleSingle Family ResidenceYear Built2017Year Renovated2017ZoningRSF-2CountyNASSAUAPN09-2N-27-1290-0220-0000

Schools near 78021 Saddle Rock Road

This home is within Nassau.
Rating
School
Type
Grades
Distance
Public - PK to 2
Public - 3 to 5
Public - 5 to 12
Public - 6 to 8
Rating
School
Distance
Yulee Primary School
PublicPK to 2

Yulee Elementary School
Public3 to 5

Yulee High School
Public5 to 12

Yulee Middle School
Public6 to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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78021 Saddle Rock Road is a single family home for sale in Yulee, FL 32097. This property was listed for sale on July 30, 2026 by KELLER WILLIAMS REALTY ATLANTIC PARTNERS, it's currently listed at $385,000. It has been on the market for a total of 5 days and was last sold on July 12, 2019. This listing's school district is Nassau. Nearby schools include Yulee Primary School, Yulee Elementary School and Yulee High School. 78021 Saddle Rock Road is a 5-bed, 3-bath, 2,436 sqft single family home built in 2017.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Based on information from one of the following Multiple Listing Services: Pensacola Association of REALTORS®, Amelia Island Nassau County Association of REALTORS and NEFMLS. Information being provided is for the visitor’s personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by Pensacola Association of REALTORS®, Amelia Island Nassau County Association of REALTORS and NEFMLS is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.