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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Yulee — a home near Yulee High School.

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Active

$575,9003 bd · 2.5 ba · 2,531 sq ft

Active·189 days on market

331 Sandy Bluff Drive 0078

Yulee, FL 32097

$575,900$228/sqftEst. $3,140/mo mortgageMLS# 2143058
↓ $28,000 below original listOpen house Sat, Nov 7 · 12:00 pm–2:00 pm
3
Beds
2.5
Baths
2,531
Sq Ft
2026
Built
3
Garage
No
Pool
FEMA Zone XHOA $150/moSingle Family Residence1 storyNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Yulee

NEW COMMUNITY! Sandy Bluff features a gated entrance, community riverfront boardwalk, pickleball court, dog park, trails & more! The Morningside is 2,531 square foot home with 3 bedrooms, 2.5 baths, a study, dining room, gathering room and large open kitchen with cabinets galore! The spacious gourmet kitchen has a 36'' cooktop, oven tower, large dine-in island and pendant lights. The dining room, huge gathering room and large breakfast nook are all located off the kitchen. Soaring double-step tray ceilings go from 12'-14' in the foyer, dining room and gathering room create a dramatic feel. The owner's suite has a spa like owner's bath, with a large walk-in shower, double vanities and separate water closet. This plan also includes a huge laundry room with drop zone and a 3-car garage. This rendering is a conceptual drawing only and is not meant to represent the actual exterior colors. Builder reserves the right to modify.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$3,140
Property taxesest. at asking price, Nassau County$795
HOAbilled annually$150
Estimated total, before insurance$4,085/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$575,900
$115,180
Loan Term
Monthly Payment
$3,140
Principal & Interest: $3,140
Property taxes (est.): $795
Insurance (est.): $384
Estimated Total Monthly
$4,319
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 D

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

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,409 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Oct 29, 2026Price change$575,900−$9,000
  • Jul 28, 2026Price change$584,900−$19,000
  • May 1, 2026Listed$603,900

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 $246/sq ft; this home is listed at $228/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
384 Sandy Bluff Drive 0061, Yulee, FL 32097Listed by MONOGRAM REALTY INCNov 2026$680,000$2364/32,88300.1
125 Vista Bluff Lane 0004, Yulee, FL 32097Listed by MONOGRAM REALTY INCAug 2026$550,000$2583/2.52,135900.1
352 Sandy Bluff Drive 0065, Yulee, FL 32097Listed by MONOGRAM REALTY INCAug 2026$624,900$2554/3.52,455700.1
173 Vista Bluff Lane 0010, Yulee, FL 32097Listed by MONOGRAM REALTY INCMay 2026$665,200$2314/3.52,88300.1
662 Sandy Bluff Drive 0032, Yulee, FL 32097Listed by MONOGRAM REALTY INCJun 2026$690,450$2444/32,82700.2
416 Sandy Bluff Drive 0057, Yulee, FL 32097Listed by MONOGRAM REALTY INCApr 2026$696,750$2464/32,82700.2

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

Price$575,900
Price / Sq Ft$228
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,531
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUnder Construction
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address331 Sandy Bluff Drive 0078, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionSandy Bluff
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Dimensions75' x 125'
Parcel Number38-3N-27-4000-0078-0000

Amenities

AmenitiesOther, Dog Park, Gated, Jogging Path, Park, Pickleball
Community FeaturesSidewalks, Gated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEntrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Water Heater, Microwave
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LaundryElectric Dryer Hookup, Gas Dryer Hookup
SecuritySecurity Gate, Security System Owned

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt

Additional Information

Date ListedMay 1, 2026
Days on Market189
HOA Fees$1,800 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: MONOGRAM REALTY INC

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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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