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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 gated community home on Amelia Island.

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Sold

Sold·Closed May 29, 2026·0 days on market·Recent sales in Yulee

173 Vista Bluff Lane 0010

Yulee, FL 32097

$665,200sold priceListed at $665,200 · 100% of asking$231/sqftMLS# 2147294
4
Beds
3.5
Baths
2,883
Sq Ft
2026
Built
3
Garage
No
Pool
HOA $150/moSingle Family Residence1 storyNew construction

About this home

Yulee

NEW COMMUNITY! SEDA NEW HOMES! The Fitzgerald features 2,862 sq. ft. and has 4 bedrooms, 3.5 baths, and a study. 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 expansive 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, soaking tub, double vanities and separate Water Closet. This home has a 3-car garage, large laundry room and a drop zone. This rendering is a conceptual drawing only and is not meant to represent the actual exterior colors. Builder reserves the right to modify.

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$3,685
Property taxesest. at asking price, Nassau County$918
HOAbilled annually$150
Estimated total, before insurance$4,753/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

$665,200
$133,040
Loan Term
Monthly Payment
$3,685
Principal & Interest: $3,685
Property taxes (est.): $918
Insurance (est.): $443
Estimated Total Monthly
$5,046
*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: ~1,388 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.

Around this address

Nearby, from public data

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

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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.

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 $231/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
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
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
572 Sandy Bluff Drive 0043, Yulee, FL 32097Listed by MONOGRAM REALTY INCJun 2026$710,000$2514/32,82700.3
564 Sandy Bluff Drive 0044, Yulee, FL 32097Listed by MONOGRAM REALTY INCMay 2026$707,050$2504/32,82700.3

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$665,200
Price / Sq Ft$231
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,883
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUnder Construction
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address173 Vista Bluff Lane 0010, Yulee, FL 32097
Area471-Nassau County-Chester/Pirates Woods Areas
SubdivisionSandy Bluff
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Dimensions75' x 135'
Parcel Number38-3N-27-4000-0010-0000

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 FeaturesBreakfast Nook, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity Gate, Security System Owned

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch, Screened
FencingVinyl
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: CENTURY 21 MILLER ELITE LLC (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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 29, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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