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Active·7 days on market

75286 Plumbago Trace

Yulee, FL 32097

$413,500$199/sqftEst. $2,108/moMLS# 2155748
4
Beds
3
Baths
2,075
Sq Ft
2023
Built
2
Garage
No
Pool

About this home

Yulee

Welcome to this beautifully designed 4-bedroom, 3-bath home in the sought-after Tributary community! This thoughtfully planned split-bedroom layout offers privacy and functionality, with three bedrooms located toward the front of the home and a private guest suite featuring its own en-suite bathroom. The spacious open-concept design seamlessly connects the kitchen and living area, creating the perfect space for everyday living and entertaining. The impressive kitchen features a gas range, abundant cabinetry, ample counter space, and a large island overlooking the living room. Enjoy the elegance of 8-foot doors throughout, adding to the home's open and inviting feel. The screened-in back patio provides a comfortable outdoor retreat for relaxing or enjoying your morning coffee. This home comes complete with all appliances, including the washer and dryer, plus a water softener for added convenience. Additional features include gutters, gas tankless water heater and a Ring doorbell camera.

Cost to own

Mortgage calculator

$413,500
$82,700
Loan Term
Monthly Payment
$2,108
Principal & Interest: $2,108
Property taxes (est.): $571
Insurance (est.): $276
Estimated Total Monthly
$2,955
*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$2,108
Property taxesest. at asking price, Nassau County$571
HOAbilled annually$13
Estimated total, before insurance$2,692/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,054/yr · $671/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

2025 property taxes (current owner): $8,054/yr

Estimated taxes if purchased at asking price: ~$6,900/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, 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 G

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — 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

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

  • Jul 16, 2026Listed$413,500

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

Features

Price$413,500
Price / Sq Ft$199
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,075
Total Structure Area2,895 sq ft
Acres0.17 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address75286 Plumbago Trace, Yulee, FL 32097
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionTributary
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size7,405.2 sq ft
Lot Dimensions5625
Parcel Number102N26201005670000
ZoningResidential

Amenities

AmenitiesPool, Barbecue, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Split Bedrooms
AppliancesDishwasher, Gas Cooktop, Gas Oven, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchFront Porch, Rear Porch, Screened
RoofShingle
ConstructionFiber Cement, Stone
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 16, 2026
Days on Market8
HOA Fees$150 / Annually
HOA FrequencyAnnually
Tax Amount$8,053.89
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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