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Active

Active·33 days on market

323 Sweetgum Street

Yulee, FL 32097

$399,000$224/sqftEst. $2,034/moMLS# 2151597

Beds

Baths

1,784

Sq Ft

2021

Built

Garage

Pool

About this home

Yulee

This beautifully designed two-story home offers a versatile floor plan tailored for modern living. Filled with natural light, the open-concept living area flows seamlessly into the stunning kitchen featuring a large center island, quartz countertops, elegant tile backsplash and a window over the sink that enhances the bright, airy feel of the space. Spacious downstairs office provides the perfect setting for study or flex space. Upgraded features, including crown molding, custom designed barn door and wood work throughout. Enjoy morning coffee on the oversized front porch, relax on the screened lanai and take advantage of the extended driveway offering ample parking for guests. Ideally situated within walking distance of the YMCA, top-rated Wildlight Elementary and luxury amenities, including the community pools, playgrounds, dog parks, miles of scenic trails, kayak launch, pickle ball, basketball and biking paths. This home embraces an active outdoor lifestyle.

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,034

Principal & Interest: $2,034

Property taxes (est.): $551

Insurance (est.): $266

Estimated Total Monthly

$2,851

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$2,034

Property taxesest. at asking price, Nassau County$551

HOAbilled semi-annually$101

Estimated total, before insurance$2,686/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,320/yr · $360/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$369,146	$185,130	—
2024	$325,883	$179,064	—
2023	$314,234	$172,247	—
2022	$272,087	$165,628	—
2021	$50,000	$50,000	—
2020	$11,549	$11,549	—

2025 property taxes (current owner): $4,320/yr

Estimated taxes if purchased at asking price: ~$6,600/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: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,653 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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 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.

History

Price & status history

Jun 20, 2026Listed$399,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$399,000

Price / Sq Ft$224

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,784

Acres0.15 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address323 Sweetgum Street, Yulee, FL 32097

Area480-Nassau County-Yulee North

SubdivisionWildlight

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size6,534 sq ft

Parcel Number442N27100301140000

Amenities

AmenitiesPool, Basketball Court, Boat Launch, Children's Pool, Dog Park, Jogging Path, Park, Pickleball, Playground

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, On Street

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric, Natural Gas

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryUpper Level