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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 Tributary, Yulee.

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Active

$375,0003 bd · 2 ba · 1,601 sq ft

Active·120 days on market·Tributary

75531 Cloverwood Court

Yulee, FL 32097

$375,000$234/sqftEst. $2,032/mo mortgageMLS# 2155943
↓ $10,000 below original list
3
Beds
2
Baths
1,601
Sq Ft
2022
Built
3
Garage
No
Pool

62 more homes for sale in Tributary →Search Tributary on the map

FEMA Zone XHOA $13/mo8,276 sqft lotSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Tributary

Welcome home to this move-in ready property tucked away on a quiet cul-de-sac in the highly desirable Tributary community. Set on a spacious preserve lot, this beautifully maintained home combines privacy, thoughtful upgrades, and a functional layout designed for everyday living. The backyard also offers plenty of space for a future pool if desired. Step inside to an inviting open-concept floor plan where the kitchen, dining area, and living room flow effortlessly together. The kitchen is a standout, featuring quartz countertops, a large center island with seating, upgraded stainless steel appliances, a gas range, new dishwasher, and an oversized walk-in pantry. Just beyond the living area, sliding glass doors open to a screened lanai overlooking peaceful preserve views, creating the perfect spot to enjoy Florida living throughout the year.

Next steps in Tributary

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.18% · 30yr$2,032
Property taxesest. at asking price, Nassau County$502
HOAbilled annually$13
Estimated total, before insurance$2,547/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,339/yr · $612/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$375,000
$75,000
Loan Term
Monthly Payment
$2,032
Principal & Interest: $2,032
Property taxes (est.): $502
Insurance (est.): $250
Estimated Total Monthly
$2,784
*30-year loan at 7.18% APR (avg 30-yr rate 2026-11-05, 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.

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: material not specified — year not disclosed (home built 2022)

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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2026$294,654$294,654—

2025 property taxes (current owner): $7,339/yr

Estimated taxes if purchased at asking price: ~$6,000/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 320 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.

History

Price & status history

  • Aug 6, 2026Price change$375,000−$10,000
  • Jul 17, 2026Listed$385,000

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

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 $215/sq ft; this home is listed at $234/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
75209 Chelsea Garden Way, Yulee, FL 32097Listed by LPT REALTY LLCJul 2026$330,000$1773/21,864550.2
75315 Plumbago, Yulee, FL 32097Listed by COMPASS FLORIDA LLCMay 2026$387,500$2144/21,811770.2
75557 Blackbird Drive, Yulee, FL 32097Listed by UNITED REAL ESTATE GALLERYNov 2026$390,000$2154/21,8161090.3
75573 Blackbird Drive, Yulee, FL 32097Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2026$389,900$2343/21,668840.3
75268 Pondside Lane, Yulee, FL 32097Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$369,000$2103/21,758500.3
75647 Bayley Place, Yulee, FL 32097Listed by WEEKLEY HOMES REALTYSep 2026$409,330$2393/21,71200.4

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.

Is this home priced right?

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

Features

Price$375,000
Price / Sq Ft$234
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,601
Acres0.19 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address75531 Cloverwood Court, Yulee, FL 32097
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionTributary
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size8,276.4 sq ft
Parcel Number102N26201000760000

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Management- On Site, Park, Pickleball, Playground
Community FeaturesSidewalks
UtilitiesElectricity Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1
LaundryIn Unit

Exterior

Lot DescriptionCul-De-Sac, Dead End Street
Patio / PorchCovered, Rear Porch, Screened

Additional Information

Date ListedJuly 17, 2026
Days on Market120
HOA Fees$150 / Annually
HOA FrequencyAnnually
Tax Amount$7,339.45
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

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.

The neighborhood

About Tributary

Tributary is a neighborhood in Yulee, FL (Nassau County), ZIP 32097.

View all Tributary homes for sale →
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