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Active

Active·232 days on market

676 Palmetto Place

Yulee, FL 32097

$389,000$220/sqftEst. $2,010/moMLS# 2125409

Beds

Baths

1,767

Sq Ft

2022

Built

Garage

Pool

About this home

Yulee

This beautifully maintained Mattamy-built two-story home offers 3 bedrooms, 2.5 bathrooms, and a bright, open-concept layout designed for both everyday living and effortless entertaining. The main level features durable luxury vinyl plank flooring, a modern neutral color palette, and a stunning kitchen complete with quartz countertops, gray shaker cabinetry, a gas range, and generous prep space, making it the perfect place to gather with family and friends. Upstairs, you'll find all three bedrooms, including a spacious owner's suite featuring two walk-in closets that provide exceptional storage, along with a private en-suite bath designed for comfort and convenience. Step outside to your covered lanai and fully fenced backyard, an ideal space for morning coffee, weekend barbecues, or simply relaxing after a long day. A two-car garage, oversized driveway, and additional street parking offer plenty of room for family and guests. Located in the heart of Wildlight, you'll enjoy convenient

Cost to own

Mortgage calculator

Home Price

$389,000

Down Payment: 20%

$77,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,010

Principal & Interest: $2,010

Property taxes (est.): $537

Insurance (est.): $259

Estimated Total Monthly

$2,807

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.71% · 30yr$2,010

Property taxesest. at asking price, Nassau County$537

HOAbilled semi-annually$100

Estimated total, before insurance$2,648/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,747/yr · $479/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $354,200 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$366,192	$278,051	—
2024	$323,098	$269,507	—
2023	$310,201	$260,201	—
2022	$60,000	$60,000	—
2021	$50,000	$50,000	—
2020	$11,549	$11,549	—

2025 property taxes (current owner): $5,747/yr

Estimated taxes if purchased at asking price: ~$6,400/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: material not specified — year not disclosed (home built 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,765 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History