This home is in Yulee — a home near Yulee High School.
Active·176 days on market
377 Saw Palmetto Street
Yulee, FL 32097
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Yulee
Assumable 5.25% VA Loan + 3 Bedrooms PLUS a Flex Room! This is your opportunity to own a beautifully maintained home in one of Wildlight's most desirable neighborhoods, within walking distance to Wildlight Elementary School. For qualified buyers, the assumable 5.25% VA loan presents a rare opportunity to secure a significantly lower interest rate than many current market options, potentially saving hundreds on your monthly payment. Inside, you'll love the bright, open-concept floor plan designed for both everyday living and effortless entertaining. The spacious kitchen is the heart of the home, seamlessly connecting to the dining and living areas, while the versatile flex room provides endless possibilities as a home office, playroom, media room, gym, or even a fourth bedroom if needed. The private owner's suite offers peaceful backyard views and a relaxing retreat at the end of the day, while the additional bedrooms provide plenty of space for family and guests. Step outside
Next steps in Yulee
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — year not disclosed (home built 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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.
Cost to own
Taxes & assessment
Last sold: $461,200 in June 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $404,625 | $348,041 | — |
| 2024 | $387,525 | $337,525 | — |
| 2023 | $75,000 | $75,000 | — |
| 2022 | $75,000 | $75,000 | — |
| 2021 | $33,902 | $33,902 | — |
2025 property taxes (current owner): $7,090/yr
Estimated taxes if purchased at asking price: ~$7,900/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.
History
Price & status history
- Oct 8, 2026Price change$479,000−$10,000
- Oct 6, 2026Active$489,000
- Oct 2, 2026Active Under Contract$489,000
- Jul 30, 2026Price change$489,000−$10,000
- Apr 22, 2026Listed$499,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $230/sq ft; this home is listed at $231/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 386 Saw Palmetto Street, Yulee, FL 32097Listed by BEYCOME OF FLORIDA LLC | Aug 2026 | $495,000 | $239 | 3/2 | 2,072 | 68 | 0 |
| 320 Ecliptic Loop, Yulee, FL 32097Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $352,390 | $230 | 2/2 | 1,529 | 22 | 0.1 |
| 328 Ecliptic Loop, Yulee, FL 32097Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $358,000 | $234 | 2/2 | 1,529 | 168 | 0.1 |
| 460 Jubilee Circle, Yulee, FL 32097Listed by COWFORD REALTY & DESIGN LLC | Oct 2026 | $332,500 | $216 | 2/2 | 1,542 | 22 | 0.2 |
| 436 Jubilee Circle, Yulee, FL 32097Listed by DOGWOOD REALTY | Aug 2026 | $295,000 | $191 | 2/2 | 1,542 | 71 | 0.2 |
| 285 Ecliptic Loop, Yulee, FL 32097Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $344,000 | $225 | 2/2 | 1,529 | 89 | 0.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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