# 78021 SADDLE ROCK Road, Yulee, FL 32097 > **TL;DR:** 5bd/3ba single family, $385,000 ($158/sqft), built 2017, 2,436 sqft. > Spa, A/C, 2-car garage. Est. $2,394/mo. Listed 91 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $385,000 | | Price/sqft | $158 | | Bedrooms | 5 | | Bathrooms | 2 full, 1 half | | Square Feet | 2,436 | | Year Built | 2017 | | Lot Size | 14,375 sqft (0.33 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Pending | | Days on Market | 91 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,947 | | Estimated Insurance | $112 | | HOA | $335 | | **Total** | **$2,394** | ## Nearby Schools - **Elementary:** Wildlight - **Middle:** Yulee - **High:** Yulee ## Key Amenities - Spa - A/C - 2-car garage ## Property Highlights - Built in 2017 - 0.33 acre lot - 2 stories ## Description ### Agent 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 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. ## Location - **Address:** 78021 SADDLE ROCK Road, Yulee, FL 32097 - **County:** Nassau - **Neighborhood:** Lumber Creek - **Coordinates:** 30.609058, -81.611155 - **Google Maps:** https://www.google.com/maps?q=30.609058,-81.611155 ## Listing Agent - **Name:** MELISSA RICKS - **Brokerage:** Keller Williams Realty, Atlantic Partners - **Broker Phone:** (904) 247-0059 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/78021-Saddle-Rock-Rd_Yulee_FL_32097_M50773-07758?f=listhub&s=NEFMLS&m=2157713&c=propsimple) ## Photos ![78021 SADDLE ROCK Road - Photo 1](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f2296846380r.jpg) ![78021 SADDLE ROCK Road - Photo 2](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f59402684r.jpg) ![78021 SADDLE ROCK Road - Photo 3](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1959281717r.jpg) ![78021 SADDLE ROCK Road - Photo 4](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f3137830155r.jpg) ![78021 SADDLE ROCK Road - Photo 5](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f222260490r.jpg) ![78021 SADDLE ROCK Road - Photo 6](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f706211182r.jpg) ![78021 SADDLE ROCK Road - Photo 7](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1234467318r.jpg) ![78021 SADDLE ROCK Road - Photo 8](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1938306944r.jpg) ![78021 SADDLE ROCK Road - Photo 9](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f2999217852r.jpg) ![78021 SADDLE ROCK Road - Photo 10](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1461674019r.jpg) ![78021 SADDLE ROCK Road - Photo 11](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1328894362r.jpg) ![78021 SADDLE ROCK Road - Photo 12](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f494052713r.jpg) ![78021 SADDLE ROCK Road - Photo 13](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f438192558r.jpg) ![78021 SADDLE ROCK Road - Photo 14](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1932788396r.jpg) ![78021 SADDLE ROCK Road - Photo 15](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f746403127r.jpg) ![78021 SADDLE ROCK Road - Photo 16](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f2508826345r.jpg) ![78021 SADDLE ROCK Road - Photo 17](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f488503127r.jpg) ![78021 SADDLE ROCK Road - Photo 18](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f3907561520r.jpg) ![78021 SADDLE ROCK Road - Photo 19](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f3441250083r.jpg) ![78021 SADDLE ROCK Road - Photo 20](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1200438493r.jpg) ![78021 SADDLE ROCK Road - Photo 21](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f2906602914r.jpg) ![78021 SADDLE ROCK Road - Photo 22](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1314070847r.jpg) ![78021 SADDLE ROCK Road - Photo 23](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1158601701r.jpg) ![78021 SADDLE ROCK Road - Photo 24](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f2253422300r.jpg) ![78021 SADDLE ROCK Road - Photo 25](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f3778429756r.jpg) ![78021 SADDLE ROCK Road - Photo 26](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f351582426r.jpg) ![78021 SADDLE ROCK Road - Photo 27](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1599620964r.jpg) ![78021 SADDLE ROCK Road - Photo 28](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1487262785r.jpg) ![78021 SADDLE ROCK Road - Photo 29](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f2426164515r.jpg) ![78021 SADDLE ROCK Road - Photo 30](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f3677501999r.jpg) ![78021 SADDLE ROCK Road - Photo 31](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f864249924r.jpg) ![78021 SADDLE ROCK Road - Photo 32](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f799612118r.jpg) ![78021 SADDLE ROCK Road - Photo 33](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f2484568782r.jpg) ![78021 SADDLE ROCK Road - Photo 34](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1249611119r.jpg) ![78021 SADDLE ROCK Road - Photo 35](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f2818107482r.jpg) ![78021 SADDLE ROCK Road - Photo 36](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f238639304r.jpg) ![78021 SADDLE ROCK Road - Photo 37](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f530842312r.jpg) ![78021 SADDLE ROCK Road - Photo 38](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f2389208574r.jpg) ![78021 SADDLE ROCK Road - Photo 39](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f153809716r.jpg) ![78021 SADDLE ROCK Road - Photo 40](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f1475010604r.jpg) ![78021 SADDLE ROCK Road - Photo 41](http://lh.rdcpix.com/6824e24ce49b19615da3a497d8af31e4l-f2517551573r.jpg) --- **MLS#:** 2157713 | **Updated:** 2026-10-27 **Source:** listhub *Copyright © 2026 realMLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/78021-saddle-rock-road-yulee-fl-32097-1c7aeb3d48514f3197516d0ecb2f3518) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/78021-saddle-rock-road-yulee-fl-32097-1c7aeb3d48514f3197516d0ecb2f3518#listing", "url": "https://www.propertysimple.ai/listing/78021-saddle-rock-road-yulee-fl-32097-1c7aeb3d48514f3197516d0ecb2f3518", "name": "78021 SADDLE ROCK Road, Yulee, FL 32097", "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. 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