Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Yulee — a gated community home on Amelia Island.

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Sold

Sold·Closed May 28, 2026·0 days on market·Recent sales in Yulee

620 Sandy Bluff Drive 0037

Yulee, FL 32097

$910,600sold priceListed at $910,600 · 100% of asking$271/sqftMLS# 2147242

Beds

4.5

Baths

3,358

Sq Ft

2026

Built

Garage

Pool

HOA $150/moWaterfrontSingle Family Residence2 storiesNew construction

About this home

Yulee

NEW COMMUNITY! Sandy Bluff features a gated entrance, community riverfront boardwalk, pickleball court, dog park, trails & more! The Fitzgerald Bonus features 3358 sq. ft. and has 5 bedrooms, 4.5 baths, a study, and a Bonus spade with private bathroom and WIC. This gorgeous open-concept plan has an abundance of natural light with the dining room, gathering room, kitchen and breakfast area all open to each other. The gourmet kitchen has a 36'' cooktop, oven tower, large dine- in island, pendant lights and walk-in pantry. Double-step tray ceilings create a dramatic 12-14 ft ceiling height in the foyer, dining room, and gathering room. The covered lanai can be accessed through large sliding glass doors creating a great indoor/ outdoor entertaining space. The owner's bath has a luxurious walk-in shower, double vanities and separate Water Closet. This rendering is a conceptual drawing only and is not meant to represent the actual exterior colors. Builder reserves the right to modify.

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.

Principal & interest20% down · 7.4% · 30yr$5,044

Property taxesest. at asking price, Nassau County$1,257

HOAbilled annually$150

Estimated total, before insurance$6,451/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

Home Price

$910,600

Down Payment: 20%

$182,120

Interest Rate: 7.40%

Loan Term

Monthly Payment

$5,044

Principal & Interest: $5,044

Property taxes (est.): $1,257

Insurance (est.): $607

Estimated Total Monthly

$6,908

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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: ~1,423 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

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.

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 $251/sq ft; this home is listed at $271/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	Miles
628 Sandy Bluff Drive 0036, Yulee, FL 32097Listed by MONOGRAM REALTY INC	Jul 2026	$924,840	$261	5/4	3,549	0
646 Sandy Bluff Drive 0034, Yulee, FL 32097Listed by MONOGRAM REALTY INC	Oct 2026	$884,560	$307	4/3	2,883	0.1
572 Sandy Bluff Drive 0043, Yulee, FL 32097Listed by MONOGRAM REALTY INC	Jun 2026	$710,000	$251	4/3	2,827	0.1
564 Sandy Bluff Drive 0044, Yulee, FL 32097Listed by MONOGRAM REALTY INC	May 2026	$707,050	$250	4/3	2,827	0.2
662 Sandy Bluff Drive 0032, Yulee, FL 32097Listed by MONOGRAM REALTY INC	Jun 2026	$690,450	$244	4/3	2,827	0.3
416 Sandy Bluff Drive 0057, Yulee, FL 32097Listed by MONOGRAM REALTY INC	Apr 2026	$696,750	$246	4/3	2,827	0.3

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$910,600

Price / Sq Ft$271

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,358

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusClosed

# of Garages3

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Community Information

Address620 Sandy Bluff Drive 0037, Yulee, FL 32097

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionSandy Bluff

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Dimensions75' x 145'

Parcel Number38-3N-27-4000-0037-0000

Amenities

AmenitiesOther, Dog Park, Gated, Jogging Path, Park, Pickleball

Community FeaturesSidewalks, Gated

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewIntracoastal

Waterfront TypeIntracoastal

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Gate, Security System Owned

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Front Porch, Rear Porch, Screened

RoofShingle

ConstructionFiber Cement

Road SurfaceAsphalt

Additional Information

Date ListedMay 27, 2026

Days on Market0

HOA Fees$1,800 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: MONOGRAM REALTY INC

Sold by: NON MLS (realMLS) (buyer's brokerage)

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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