What's in this guide
- Executive Summary
- Quick Facts
- Community Overview & History
- Neighborhoods & Areas
- Real Estate Market
- Who Lives Here
- Schools
- Amenities & Lifestyle
- HOA, CDD & Costs
- Commute Analysis
- Shopping & Dining
- Pros & Cons
- Neighborhood Comparisons
- Hidden Things to Know
- Momentum Expert Insight
- Frequently Asked Questions
Executive Summary
Plummer Creek is a value-oriented community in Yulee, just off State Road 200 with easy I-95 access, built by Dream Finders Homes and developing since 2013. It pairs reasonably priced midsize homes with a resort-style pool and clubhouse, in the number one school district in Florida, close to historic Fernandina Beach and Amelia Island.
Homes generally run from roughly 1,870 to 3,580 square feet, commonly priced in the high $300,000s to the $400,000s and up depending on floor plan and lot, with lakefront and preserve homesites available. Earlier phases offer resale homes and newer sections offer new construction.
The draw is practical value, a real amenity base, and A-rated Nassau schools with easy island and I-95 access. The builder markets the community with no CDD and a low HOA, which is part of the value case, though buyers should confirm the fee structure for a specific home and section.
Quick Facts
| Category | Detail |
|---|---|
| Location | Yulee, off State Road 200, easy I-95 access |
| County | Nassau County |
| ZIP code | 32097 |
| Builder | Dream Finders Homes (developing since 2013) |
| Schools | Nassau County (#1 in Florida 2024-2025); Yulee schools |
| Home size | Roughly 1,870 to 3,580 square feet |
| Price range | High $300,000s to $400,000s and up |
| HOA / CDD | Builder-stated no CDD, low HOA (~$480/yr); confirm per home |
| Amenities | Resort-style pool, outdoor kitchen, clubhouse |
Community Overview & History
A Yulee value community
Plummer Creek is a Dream Finders community off State Road 200 in Yulee that has been developing since 2013, growing as the Yulee area has become one of Nassau County's fastest-growing markets. It offers midsize homes at reasonable prices for the area, with a resort-style pool and clubhouse at its center.
New and resale
Because the community has built out over more than a decade, it offers both resale homes from earlier phases and newer construction, giving buyers a choice between an established home and a brand-new one with builder incentives. Lakefront and preserve homesites add variety to the lots.
Neighborhoods & Areas
Plummer Creek is organized by phase, floor plan, and lot.
Resale homes
Earlier phases offer established homes with mature landscaping, the resale side of the market.
New construction
Newer sections offer Dream Finders floor plans, generally midsize, with builder incentives often available.
Lakefront and preserve lots
Lakefront homesites and more private preserve lots carry a premium for the views and privacy over interior homes.
Real Estate Market
Plummer Creek is a value-oriented Yulee market, with midsize homes from roughly 1,870 to 3,580 square feet commonly priced in the high $300,000s to the $400,000s and up. The mix of resale and new construction means buyers can choose between an established home and a new build, and lakefront and preserve lots carry premiums.
For context, Momentum tracks the wider Jacksonville metro at a 97.98 percent sold-to-list ratio and 64 days on market for our agents, against a RealMLS market average closer to 96.73 percent and 72 days, year to date. On the new-construction homes, the negotiation often happens on builder incentives rather than base price, while resale homes price on condition and lot, so the right approach depends on which you are buying.
Who Lives Here
Plummer Creek draws families and value-focused buyers who want a reasonably priced midsize home with amenities and A-rated Nassau schools, along with commuters using I-95 and those relocating to fast-growing Yulee. It is a practical, family-oriented community organized around the pool, the clubhouse, and the schools.
Schools
Plummer Creek is in the Nassau County School District, ranked the number one district in Florida for 2024-2025 with every school A-rated, served by the Yulee-area schools. Confirm the current zoning for a specific address with the district before you buy. See the Nassau County schools guide.
Amenities & Lifestyle
Plummer Creek's amenities center on the community's social hub.
The pool and clubhouse
A resort-style pool, a large outdoor kitchen, and a clubhouse give residents a gathering place and recreation within the community.
Lakes and preserve
Lakefront homesites and preserve lots give parts of the community a natural setting, with water and woodland views.
Location and access
State Road 200 and I-95 are close, putting the Amelia Island beaches, historic downtown, shopping, and Jacksonville within easy reach.
HOA, CDD & Costs
The builder markets Plummer Creek with no CDD and a low HOA, historically around $480 a year, which is part of the value case and keeps the carrying cost low relative to communities that carry both a CDD and HOA. Because community fee structures can vary by section and change over time, confirm the HOA and whether any CDD applies in writing for a specific home before you buy.
Insurance is rising across Florida, though newer construction often carries lower premiums than older homes because of newer roofs and current code. Lakefront and preserve lots can affect flood considerations, so get quotes early on the specific home and confirm the flood zone.
Commute Analysis
Plummer Creek sits just off State Road 200 with easy I-95 access.
| Destination | Typical drive |
|---|---|
| Amelia Island beaches | About 20 minutes |
| Historic downtown Fernandina Beach | About 20 minutes |
| Jacksonville International Airport (JAX) | About 15-20 minutes |
| Downtown Jacksonville | About 20-30 minutes |
| I-95 | Minutes away |
The location near State Road 200 and I-95 makes the airport and Jacksonville an easy drive while keeping the island within reach. Test your specific commute, since SR-200 and I-95 carry traffic at peak hours.
Shopping & Dining
Everyday shopping and dining are close in Yulee, including the Villages of Amelia retail center, with the Amelia Island restaurants and historic downtown a short drive. The community's pool and clubhouse give residents a social hub within the neighborhood.
Pros and Cons
Pros
- Reasonably priced midsize homes for Nassau County
- Resort-style pool, outdoor kitchen, and clubhouse
- Builder-stated no CDD and low HOA
- Mix of resale and new construction
- A-rated Nassau County schools
- Easy I-95 and airport access, island a short drive
Cons
- A short drive, not a walk, to the beach
- Confirm the fee structure for a specific home and section
- Midsize homes, not large estate lots
- Lakefront and preserve lots warrant flood and insurance review
- Newer phases may still be building out
Plummer Creek vs. Comparable Communities
| Community | How it compares to Plummer Creek |
|---|---|
| Wildlight | A larger town-center master plan in Yulee with more amenities and scale, while Plummer Creek is a more contained value community. |
| Tributary | A newer amenity-driven Yulee master plan, while Plummer Creek competes on price and practicality with a builder-stated low HOA. |
| North Hampton | A golf community with deep amenities and no CDD, while Plummer Creek is a value-oriented community without the golf. |
Hidden Things Buyers Should Know
Confirm the fee structure
The builder markets no CDD and a low HOA, which is a real value, but fee structures can vary by section and change. Confirm the HOA and any CDD in writing for the specific home, then run the all-in monthly.
New versus resale changes the play
On new construction the negotiation is on incentives, on resale it is on price, condition, and lot. Know which you are buying and bring representation before any sales-center visit.
Lakefront lots warrant flood review
Lakefront and preserve lots are the prettiest and can carry flood considerations. Confirm the flood zone and insurance early before you commit to the premium lot.
Momentum Expert Insight
Plummer Creek is a practical pick in Yulee for buyers who want a solid midsize home with a real pool and clubhouse, A-rated schools, and easy access to both the island and Jacksonville, without stretching the budget.
The one thing I always confirm here is the fee structure for the specific home, since the builder markets a low HOA and no CDD and that is part of the value, but you want it in writing for the section you are buying. Then run the all-in monthly against the bigger master plans nearby and let the numbers guide you. An agent who knows Yulee will set that up for you.
Selling a Home in Plummer Creek
If you are thinking about selling in Plummer Creek, the right list price comes from the recent comparable sales in this specific community, not an automated estimate. Pricing to the homesite and the current Plummer Creek inventory is what earns the strongest offer in the fewest days on market.
Across the wider Jacksonville metro, Momentum's listings have run a 97.98 percent sold-to-list ratio and 64 days on market for our agents, against a market average closer to 96.73 percent and 72 days, year to date. A Plummer Creek listing specialist will give you a true home value from real comparable sales and a pricing strategy built for the current market. Start with a no-obligation home value request below.
Get a no-obligation home value for your Plummer Creek home, based on real comparable sales in the community rather than an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
Whether you are buying, selling, or just gathering information about Plummer Creek, drop your details below. Every inquiry comes straight to us, and we will personally help you and connect you with the right agent. No obligation, no spam.
Frequently Asked Questions
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