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This home is in Tributary, Yulee.

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Active

Active·49 days on market·Tributary

75685 Spoonbill Lane

Yulee, FL 32097

$399,900$221/sqftEst. $2,198/mo mortgageMLS# 2163184
4
Beds
2
Baths
1,811
Sq Ft
2022
Built
2
Garage
No
Pool

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

FEMA Zone XHOA $13/mo6,098 sqft lotSingle Family Residence1 story

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About this home

Tributary

OPEN HOUSE Sept 19th 10a-12p. Sunday Sept 20th 3p-5p. Welcome home to Richmond American's sought-after Larmier floor plan in the vibrant Tributary community! This stunning 4-bedroom, 2-bath design pairs style with exceptional function, featuring a spacious open-concept living area and a fabulous kitchen packed with stainless steel appliances, a massive walk-in pantry, and sleek finishes. The pristine primary suite offers a luxurious retreat complete with a huge walk-in closet. Need a dedicated workspace? One bedroom comes equipped with custom built-ins, perfect for a high-end home office. Enjoy the added convenience of an included washer and dryer, plus a 2-car garage featuring an extended storage alcove. Step outside to your outdoor sanctuary, highlighted by a screened paver lanai that flows effortlessly onto an expansive open-air paver patio with fire pit--ideal for evening entertaining or quiet relaxation. Modern comfort meets unbeatable neighborhood amenities!

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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 · 7.32% · 30yr$2,198
Property taxesest. at asking price, Nassau County$552
HOAbilled annually$13
Estimated total, before insurance$2,762/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,520/yr · $460/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$399,900
$79,980
Loan Term
Monthly Payment
$2,198
Principal & Interest: $2,198
Property taxes (est.): $552
Insurance (est.): $267
Estimated Total Monthly
$3,016
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Ask about this home

As of September 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.

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

2025 property taxes (current owner): $5,520/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, NEFMLS.

History

Price & status history

  • Sep 2, 2026Listed$399,900

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 $203/sq ft; this home is listed at $221/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
75733 Lily Pond Court, Yulee, FL 32097Listed by KELLER WILLIAMS ST JOHNSOct 2026$460,000$2034/32,267190.2
75209 Chelsea Garden Way, Yulee, FL 32097Listed by LPT REALTY LLCJul 2026$330,000$1773/21,864550.2
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
75225 White Rabbit Avenue, Yulee, FL 32097Listed by BLUEFIN REAL ESTATE GROUPJul 2026$450,000$1974/32,288130.3
75728 Estuary Way, Yulee, FL 32097Listed by MARK SPAIN REAL ESTATEJul 2026$443,000$1904/32,337260.3

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$399,900
Price / Sq Ft$221
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,811
Acres0.14 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
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

Address75685 Spoonbill Lane, Yulee, FL 32097
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionTributary
CityYulee
CountyNassau
StateFL
Zip Code32097
Lot Size6,098.4 sq ft
Parcel Number102N26201000720000

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Pickleball, Playground
UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet
# of Stories1

Exterior

Exterior FeaturesFire Pit

Additional Information

Date ListedSeptember 3, 2026
Days on Market19
HOA Fees$150 / Annually
HOA FrequencyAnnually
Tax Amount$5,519.67
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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 →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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