1068 Wildlight Ave · Yulee, FL 32097

$378,995

3 bd · 2.5 ba · 1,791 sqft · Townhouse · 73 Days on market

Built 2026 $417/mo HOA · 15% of rent

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Schools +6.0/10.0
• Cash flow +5.2/30.0
• Livability +3.3/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• DSCR +0.0/10.0

Listing remarks MLS

Welcome to this beautifully appointed two-story townhome in the desirable Westerly Park neighborhood at Wildlight in Nassau County, home to Florida's top-rated school systems. Situated in a natural gas community, this home offers a no exterior maintenance lifestyle with access to Wildlight's exceptional amenities, including family sized and lap pools, playgrounds, parks, over 12 miles of scenic walking trails, and so much more. This spacious 1,791 sq. ft. home features 3 bedrooms, 2.5 bathrooms, and an oversized 2-car garage. The gourmet kitchen is a standout with Sonoma Painted Linen white cabinetry, Emser® tile backsplash, quartz countertops, a large island with sink and pendant lighting, Moen® faucets in a stylish matte black finish, wall oven/microwave combination, and a drop-in cooktop with convenient pot drawers-perfect for both everyday living and entertaining. The open-concept floor plan is enhanced by luxury vinyl plank flooring throughout the main living areas and primary bedroom, with plush Shaw® carpet in the secondary bedrooms and Daltile® tile flooring in all bathrooms. The owner's retreat offers a tray ceiling, large walk-in closet, double vanity, and a spacious walk-in shower with elegant Daltile® tile shower surround. Additional features include 9-foot ceilings, 8-foot interior and front door with rain glass insert, whole home blinds, and modern finishes throughout. Enjoy a carefree lifestyle in one of Northeast Florida's most vibrant master-planned communit

Key facts

• Gourmet kitchen
• Two story townhome
• $417 HOA

Tags

• TWO STORY TOWNHOME
• NATURAL GAS COMMUNITY
• NO EXTERIOR MAINTENANCE
• GOURMET KITCHEN
• SONOMA PAINTED LINEN CABINETRY
• EMSER TILE BACKSPLASH

Property features AI

Finance

• HOA & community: Homeowners association with amenities including basketball court, dog park, park, pickleball, playground and tennis courts; Annual association fee of $1,219.36 (one payment annually); Monthly association fee of $315.90; Association fees include insurance, grounds maintenance, structure maintenance and trash; CDD fee applies ($777.33)

Exterior

• Parking: 2-car garage with garage door opener
• Security: Carbon monoxide detector(s); Smoke detector(s); Firewall(s)
• Utilities: Public sewer; Cable available; Electricity connected; Natural gas connected; Sewer connected; Water connected
• Home design: Townhouse; Two levels; Property is attached; Residential use
• Construction: Frame construction; Shingle roof
• Exterior features: Community pool (not private); Sidewalks; County road frontage; Asphalt road surface; Carbon monoxide detector(s); Firewalls; Smoke detector(s)

Interior

• Kitchen: Dishwasher; Disposal; Electric oven; Gas cooktop; Microwave; Plumbed for ice maker; Tankless water heater
• Bedrooms: 3 bedrooms (two bedrooms located on the second level)
• Flooring: Luxury vinyl plank (LVP); Carpet; Tile
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Electric heating; Central air conditioning; Electric cooling
• Interior features: Kitchen island; Open floorplan; Pantry; Primary bathroom with shower (no tub); Smart thermostat; Split bedroom layout; Walk-in closet(s)
• Laundry & utility: In-unit laundry; Washer hookup; Washer/dryer hookups for electric dryer; Washer/dryer hookups for gas dryer; Upper-level laundry

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath townhouse listed at $379k.

Deal economics

• At list price, monthly cash flow is $-856 ($-10k/yr) — negative.
• To cash-flow at today's rent, offer at most $255k (32.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $276k (27.2% below list).
• Recommended offer: $255k (32.7% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 66/100 on livability (#605 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A-, crime B+; Watch: amenities F, commute F, health & safety F.
• Nassau (town): math 74% / reading 65% proficiency, ranked #4 of 73 in FL (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Wildlight Elementary (math 90% / reading 80%, grade A+, #35 of 2,144 statewide, top 2%, 1,025 students, 34% FRL); Yulee Middle School (math 73% / reading 61%, grade A-, #80 of 571 statewide, top 14%, 1,202 students, 41% FRL); Yulee High School (math 52% / reading 54%, grade C-, #148 of 667 statewide, top 23%, 1,407 students, 35% FRL) — zoned schools at 37% FRL track the district average.
• Market conditions: Rents rising (+2.9%/yr); 601 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 953 units permitted in Nassau County in 2024 (24 in 5+ unit buildings).
• This rent runs 36% of the median local income ($93k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $41k of equity ($3k loan paydown + $38k appreciation (10.0% local appreciation)).
• Nassau County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$65k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 73 days — a 6% lower offer ($356k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $255,065 (32.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 73 days. Have you received any prior offers? Is the seller open to a 33% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.73% ✗
• Cap rate: 3.58%
• Cash-on-cash: -9.68%
• DSCR: 0.57
• GRM: 11.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 2.88% rent growth · sell at horizon

5-year hold

• IRR: 17.5%
• Equity multiple: 2.43×
• Total profit: $151,828
• Equity at exit: $341,429

10-year hold

• IRR: 16.5%
• Equity multiple: 5.62×
• Total profit: $489,925
• Equity at exit: $736,304

Cash invested: $106,119 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32097

• Home prices YoY: 19.5%
• Rents YoY: 2.9%
• Active inventory: 601
• Price-to-rent: 11.4×

Monthly cashflow live

• Estimated rent: $2,759 high
• Mortgage (P&I): −$1,987
• Tax est. 1.5%: −$474 /mo · $5,685/yr
• Insurance: −$158
• HOA: −$417
• Vacancy / Maint / Mgmt: −$579
• Net cashflow: $-856

Break-even live

Break-even rent $3,843

Max offer price $255,065

Occupancy floor —

Sensitivity live

Price	-10% $-595	-5% $-725	+0% $-856	+5% $-987	+10% $-1,118
Rent	-10% $-1,074	-5% $-965	+0% $-856	+5% $-747	+10% $-638
Rate	-1.0pp $-666	-0.5pp $-760	base $-856	+0.5pp $-955	+1.0pp $-1,055

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $94,749
• Closing costs: $11,370
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
305 Whitby Dr Yulee, FL	1.0–3.0	1.0–2.5	1279	$2,815	$2.20	3d	45	0.16mi
549 Wildlight Ave Yulee, FL	1.0–3.0	1.0–2.0	988	$2,245	$2.27	3d	32	0.40mi
504 Blue Daze St Yulee, FL	3.0	2.5	2038	$2,595	$1.27	25d	1	0.65mi
722 Cool Breeze Way Yulee, FL	2.0	2.0	1541	$3,100	$2.01	23d	1	0.88mi
719 Cool Breeze Way Yulee, FL	3.0	2.0	1575	$2,995	$1.90	13d	1	0.91mi
213 Daydream Ave Yulee, FL	3.0	2.5	1876	$2,950	$1.57	25d	1	0.92mi

HOA detail

• Monthly dues: $417 · $5,004/yr
• Likely covers: gaslandscapingexterior maint.pool

Listing history 19 events

1. 2026-06-21
   days on market $378,995 Active 73 DOM
2. 2026-06-18
   days on market $378,995 Active 70 DOM
3. 2026-06-17
   days on market $378,995 Active 69 DOM
4. 2026-06-16
   days on market $378,995 Active 68 DOM
5. 2026-06-15
   days on market $378,995 Active 67 DOM
6. 2026-06-13
   days on market $378,995 Active 65 DOM
7. 2026-06-13
   days on market $378,995 Active 64 DOM
8. 2026-06-10
   price $378,995 Active 61 DOM
9. 2026-06-09
   days on market $369,205 Active 61 DOM
10. 2026-06-08
    days on market $369,205 Active 60 DOM
11. 2026-06-07
    days on market $369,205 Active 59 DOM
12. 2026-06-05
    pricedays on market $369,205 Active 56 DOM
13. 2026-06-03
    days on market $369,260 Active 55 DOM
14. 2026-06-02
    days on market $369,260 Active 54 DOM
15. 2026-06-01
    days on market $369,260 Active 53 DOM
16. 2026-05-31
    days on market $369,260 Active 52 DOM
17. 2026-05-09
    listed $369,260 Active 1519-char remark

    Show marketing remark (1519 chars)

    Welcome to this beautifully appointed two-story townhome in the desirable Westerly Park neighborhood at Wildlight in Nassau County, home to Florida's top-rated school systems. Situated in a natural gas community, this home offers a no exterior maintenance lifestyle with access to Wildlight's exceptional amenities, including family sized and lap pools, playgrounds, parks, over 12 miles of scenic walking trails, and so much more. This spacious 1,791 sq. ft. home features 3 bedrooms, 2.5 bathrooms, and an oversized 2-car garage. The gourmet kitchen is a standout with Sonoma Painted Linen white cabinetry, Emser® tile backsplash, quartz countertops, a large island with sink and pendant lighting, Moen® faucets in a stylish matte black finish, wall oven/microwave combination, and a drop-in cooktop with convenient pot drawers-perfect for both everyday living and entertaining. The open-concept floor plan is enhanced by luxury vinyl plank flooring throughout the main living areas and primary bedroom, with plush Shaw® carpet in the secondary bedrooms and Daltile® tile flooring in all bathrooms. The owner's retreat offers a tray ceiling, large walk-in closet, double vanity, and a spacious walk-in shower with elegant Daltile® tile shower surround. Additional features include 9-foot ceilings, 8-foot interior and front door with rain glass insert, whole home blinds, and modern finishes throughout. Enjoy a carefree lifestyle in one of Northeast Florida's most vibrant master-planned communit

18. 2026-04-14
    listed $369,260 Active 1595-char remark

    Show marketing remark (1595 chars)

    Welcome to this beautifully appointed two-story townhome in the desirable Westerly Park neighborhood at Wildlight in Nassau County, home to Florida’s top-rated school systems. Situated in a natural gas community, this home offers a no exterior maintenance lifestyle with access to Wildlight’s exceptional amenities, including family sized and lap pools, playgrounds, parks, over 12 miles of scenic walking trails, and so much more. This spacious 1,791 sq. ft. home features 3 bedrooms, 2.5 bathrooms, and an oversized 2-car garage. The gourmet kitchen is a standout with Sonoma Painted Linen white cabinetry, Emser® tile backsplash, quartz countertops, a large island with sink and pendant lighting, Moen® faucets in a stylish matte black finish, wall oven/microwave combination, and a drop-in cooktop with convenient pot drawers—perfect for both everyday living and entertaining. The open-concept floor plan is enhanced by luxury vinyl plank flooring throughout the main living areas and primary bedroom, with plush Shaw® carpet in the secondary bedrooms and Daltile® tile flooring in all bathrooms. The owner’s retreat offers a tray ceiling, large walk-in closet, double vanity, and a spacious walk-in shower with elegant Daltile® tile shower surround. Additional features include 9-foot ceilings, 8-foot interior and front door with rain glass insert, whole home blinds, and modern finishes throughout. Enjoy a carefree lifestyle in one of Northeast Florida’s most vibrant master-planned communities—schedule your private showing today!

19. 2026-04-09
    listed $369,260 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 47% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $33,109
• − Mortgage interest: −$21,230
• − Property taxes: −$5,685
• − Insurance: −$1,895
• − Repairs & maintenance: −$2,649
• − Management: −$2,649
• − HOA: −$5,004
• − Depreciation: −$11,025
• Taxable loss: −$17,027
• Est. tax savings @ 24.0%: +$4,086
• After-tax cash flow: $-6,191/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Nassau
• NCES district ID: 1201350
• Math proficiency: 74% ▼ -2.00%
• Reading proficiency: 65% ▼ -2.00%
• Median HH income: $58,267
• Composite: 59.79/100
• National rank: #899
• State rank: #4 of 73 in FL

Livability — Yulee

• Score: 66/100
• State rank: #605
• US rank: #11615

Category grades

Amenities F Commute F Cost of living A- Crime B+ Employment B+ Housing A+ Health & safety F User ratings B+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Nassau County · 67,729 people
• City population: 26,700
• Metro: Jacksonville, FL
• Population (ZIP): 26,700
• Household income: $93,161
• Rent vs Own: 19.8% rent · 80.2% own
• Severe rent burden: 404.0

Population outlook (Nassau County) Hauer SSP2

• Today (2025): 88,419 people
• By 2030: 92,679 · +4.8%
• By 2040: 99,257 · +12.3%
• By 2050: 103,378 · +16.9%
• By 2075: 109,726 · +24.1%
• By 2100: 107,006 · +21.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Two or more races 9% Black 9% Hispanic / Latino 8% Asian 1% Native American 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Lithuanian 4% Italian 3% Romanian 2%
• Foreign-born: 4% · Canada, Vietnam
• Languages at home: 93% English-only · Spanish 5% Vietnamese 1%

Political lean MEDSL · Nassau

• 2024 margin: Solid R (+46.9) · D 26.1% · R 73.1%
• 2008→2024 swing: -3.1pp toward R · 2008: -43.8pp · 2024: -46.9pp
• All cycles: 2024: R+46.9 2020: R+45.9 2016: R+50.2 2012: R+48.6 2008: R+43.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 49.35%
• Current HPI: 301.9299
• Rent YoY: ▲ 2.88%
• Metro: Jacksonville, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+0.0% since first listed

3 events — show timeline

• 2026-05-09 Listed $369,260 Zillow
• 2026-04-14 Listed $369,260 AINCAR
• 2026-04-09 Listed $369,260 realMLS