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Active

Active·63 days on market

386 Saw Palmetto Street

Yulee, FL 32097

$499,900$241/sqftEst. $2,661/moMLS# 2145104

Beds

Baths

2,072

Sq Ft

2023

Built

Garage

Pool

About this home

Yulee

Welcome to this better-than-new 2023 home in the highly sought-after Wildlight community! This meticulously maintained and extensively upgraded 3-bedroom, 2-bath home with flex room with more than 2,000 square feet of luxury living. Inside, you'll find upgraded wood flooring, designer Ballard Designs lighting and drapery, upgraded ceiling fans, and a bright open-concept layout for entertaining. The gourmet kitchen features top-of-the-line appliances, induction cooktop, modern finishes, ample prep space, and expansive three-panel sliding glass doors for seamless indoor/outdoor living. Relax on the electric screened lanai overlooking peaceful preserve views with no rear neighbors. Additional upgrades include a custom master closet system, epoxy-coated garage floor, overhead and floored attic storage, Nest thermostat, water softener system, Rinnai tankless water heater, and integrated interior pest control system. Fully move-in ready with every detail already completed!

Cost to own

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,525

Principal & Interest: $2,525

Est. Taxes & Insurance: $631

Estimated Total Monthly

$3,156

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,661

Property taxesest. at asking price, Nassau County$690

HOAbilled monthly$105

Estimated total, before insurance$3,456/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $522,100 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$405,355	$348,792	—
2024	$388,255	$338,255	—
2023	$75,000	$75,000	—
2022	$75,000	$75,000	—
2021	$33,902	$33,902	—

2025 property taxes (current owner): $7,101/yr

Estimated taxes if purchased at asking price: ~$8,300/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 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History