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What's Special: Gourmet Kitchen | Popular Plan | 3-Car Tandem Garage. New Construction – March Completion! Built by America's Most Trusted Home Builder. Welcome to the Armona at 86450 Ripple Lane in Headwaters at Lofton Creek! Thoughtfully designed for both entertaining and everyday living, this home features a gourmet kitchen with a large island, butler's pantry, natural gas cooking, and seamless flow into the casual dining area and great room. A formal dining area and private study add flexibility for hosting, working, or pursuing hobbies. The spacious primary suite offers an oversized walk-in closet and inviting en-suite bathroom, while four additional bedrooms provide room for guests and everyday living. An expansive lanai extends the living space outdoors. Headwaters at Lofton Creek offers wooded surroundings, planned amenities including a pool, cabana, dog park, event lawn, tot lot, and trails, plus convenient access to Amelia Island, shopping, schools, and major roadways. Additional Highlights Include: 3-car tandem garage, tankless water heater and shower in place of tub/shower combo at Bath 3. Photos are for representative purposes only. MLS#116801

Highlights

  • Residential
  • New Construction
  • Built in 2027
  • 0.24 Acre Lot
  • $122/mo HOA
  • 3 Car Garage
  • 117 days on Market

  • Bedrooms
    5
  • Bathrooms
    3
  • Year Built
    2027
  • Stories
    1.0
  • Architectural Style
    One Story
  • Construction Materials
    Frame
  • Garage Spaces
    3.0
  • Parking Features
    Garage Door Opener
  • Living Area
    3221.0
  • Appliances
    Dishwasher, Microwave, Disposal
  • Patio And Porch
    Covered, Patio, Porch, Front Porch
  • Pool Features
    Community
  • Security Features
    Gated Community
  • Cooling
    Central Air, Electric
  • Heating
    Electric, Central

  • Acres
    0.24
  • Water
    Public

  • Area
    Ar 8 Mainland, Sub 0
  • County
    Nassau
  • City
    Yulee
  • Neighborhood
    Headwaters At Lofton Creek
  • Zip Code
    32097

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Frequently Asked Questions

How do I schedule a tour of 86450 Ripple Ln?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 86450 Ripple Ln.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 86450 Ripple Ln?

Click Ask a Question to talk with our team. You already know it is a 5 bed, 3 bath, listed for $672,383. We can talk through recent upgrades, potential seller motivation, how this residential compares to others in Yulee, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 86450 Ripple Ln?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 86450 Ripple Ln at around $3,826. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 86450 Ripple Ln?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Nassau County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 86450 Ripple Ln?

In most cases, yes. Whether 86450 Ripple Ln is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Yulee's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 86450 Ripple Ln?

We can handle that for you. Our preferred local agent specializes in residentials in Yulee and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $672,383 with 3,221 sqft of space—that comes out to approximately $209 per square foot.

How long has this property been on the market?

86450 Ripple Ln was listed on July 21, 2026, which means it's been on the market for 117 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 2027, making it approximately -1 years old.

What is the lot size of this property?

86450 Ripple Ln sits on a 0.24-acre lot, which is 10,454 square feet.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $122 paid monthly.

Is 86450 Ripple Ln still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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The data relating to real estate for sale on this website comes in part from the Internet Data exchange (IDX) program of Amelia Island-Nassau County Association of Realtors®. IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that data ids deemed reliable but is not guaranteed accurate by the MLS. Copyright ©2026 Amelia Island-Nassau County Association of Realtors®. All rights reserved.

Last Updated: November 15, 2026 at 05:43PM | Source: Amelia Island Nassau County Association of REALTORS | MLS#: 116801