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Single Family ResidenceResidential
$495,000$186 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $440,000 on May 20, 2022

78286 SADDLE ROCK RD

YULEE, FL 32097
4
Beds
3
Baths
2,656 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
2016
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$495K
$440K low$550K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$440,000 · May 20, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,186 (2023)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$395,717 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$384,565
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$400,022

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyNASSAU
Lot (acres)The size of the land the home sits on, from county records.0.25
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 95 ft²Porch · 314 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Yulee High SchoolC+
High · Grades 9–12 · 1.7 mi
M
Yulee Middle SchoolA
Middle · Grades 6–8 · 1.9 mi
E
Wildlight Elementary SchoolA-
Elementary · Grades KG–5 · 2.5 mi

District: Nassau County School District

Neighborhood · ZIP 32097These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.94
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.68
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.26,142
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.196 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,346
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,725
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

78286 Saddle Rock Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 76% of homes in Yulee 32097
  • Costs less per square foot than 86% of homes in Nassau County
  • Bigger than 89% of homes in Yulee 32097
  • Has a smaller lot than 66% of homes in Nassau County
  • Newer than 83% of homes in Nassau County

What homes are worth in Yulee 32097

Each bar is how many homes fall in that price range. The marker is this home.

This home
$229K$903K

This home is worth more than 76% of homes in Yulee 32097.

How it measures up in Yulee 32097

The dot is this home. The mark in the middle is the typical home in Yulee 32097.

Estimated value$495,000
CheaperTypical $405,562Pricier

Pricier than 76% of homes nearby

Price per ft²$186
CheaperTypical $212Pricier

Pricier than 26% of homes nearby

Living area2,656 ft²
SmallerTypical 1,848 ft²Bigger

Bigger than 89% of homes nearby

Lot size0.25 ac
SmallerTypical 0.25 acBigger

Bigger than 50% of homes nearby

Year built2016
OlderTypical 2006Newer

Newer than 76% of homes nearby

How 78286 Saddle Rock Rd ranks against every home in each area.
MeasureThis homeYulee 32097Nassau County
Estimated valuepricier than$495,00076% of homes46% of homes
Price per ft²pricier than$18626% of homes14% of homes
Living areabigger than2,656 ft²89% of homes84% of homes
Lot sizebigger than0.25 ac50% of homes34% of homes
Year builtnewer than201676% of homes83% of homes

About 78286 Saddle Rock Rd

How much is 78286 Saddle Rock Rd, Yulee, FL worth?

The TopHap Estimate for 78286 Saddle Rock Rd, Yulee, FL is $495,000 as of Aug 30, 2026. The likely range is $440,140 to $549,860. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 78286 Saddle Rock Rd, Yulee, FL last sell?

78286 Saddle Rock Rd, Yulee, FL last sold on May 20, 2022 for $440,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 78286 Saddle Rock Rd, Yulee, FL?

78286 Saddle Rock Rd, Yulee, FL has 4 bedrooms, 3 bathrooms, 2,656 square feet of living space and a 0.25-acre lot.

When was 78286 Saddle Rock Rd, Yulee, FL built?

78286 Saddle Rock Rd, Yulee, FL was built in 2016, making it 10 years old. The building has 1 story.

What schools serve 78286 Saddle Rock Rd, Yulee, FL?

78286 Saddle Rock Rd, Yulee, FL is assigned to Yulee High School (high), rated C+; Yulee Middle School (middle), rated A; Wildlight Elementary School (elementary), rated A-. All sit in Nassau County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 78286 Saddle Rock Rd, Yulee, FL compare to other homes in Yulee 32097?

Among the 10,620 homes in Yulee 32097, it is worth more than 76% of them ($495,000 against a typical $405,562), its price per square foot is higher than 26% of them ($186 against a typical $212), it is bigger than 89% of them (2,656 ft² against a typical 1,848 ft²), its lot is bigger than 50% of them (0.25 ac against a typical 0.25 ac) and it is newer than 76% of them (2016 against a typical 2006). Measured against all of Nassau County, it is worth more than 46% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 78286 Saddle Rock Rd, Yulee, FL?

The 2023 property tax bill for 78286 Saddle Rock Rd, Yulee, FL was $5,186. The county assessed it at $395,717.

More homes on Saddle Rock Rd

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Assigned schools

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