377 SAW PALMETTO Street, Yulee, FL, 32097 | $499,000

Get settled in Wildlight before the new school year and enjoy the convenience of being within walking distance to Wildlight Elementary School. In a market where both timing and interest rates matter, this home offers a rare opportunity with an assumable 4. 25% VA loan that may significantly reduce monthly payments for qualified buyers. Positioned in one of the most sought-after areas of the community, this property combines lifestyle, location, and long-term value.
From the moment you arrive, the home offers a sense of ease and functionality. Mornings can begin with a short walk to school, while afternoons and evenings are designed for enjoying the Florida lifestyle--whether that's relaxing on the lanai, spending time in the backyard, or planning for a future pool. The fully fenced yard provides both privacy and flexibility, which is increasingly difficult to find in newer construction. Inside, the open-concept layout is thoughtfully designed to support everyday living. The kitchen serves as the central hub, connecting seamlessly to the living and dining areas, making it ideal for both entertaining and daily routines. A front flex space adds versatility and can easily function as a home office, playroom, workout area, or additional living space depending on your needs. The owner's suite is privately positioned and offers peaceful backyard views along with a comfortable, spa-like atmosphere, while the additional bedrooms provide space for guests or family. For those relocating or commuting, the location offers excellent accessibility with quick access to I-95 and an easy drive to Jacksonville, Kings Bay, and the beaches, as well as convenient proximity to UF Health and Baptist Health, and access into Georgia. Beyond the home itself, Wildlight offers a connected, amenity-rich lifestyle with miles of trails, parks, community events, dining, and shopping all nearby. This property presents a unique combination of a nearly new, move-in ready home, a desirable walkable location, and a valuable assumable loan opportunity--making it a strong option for buyers looking to secure a home before the upcoming school year.

Features

  • Amenities: Pool, Basketball Court, Dog Park, Jogging Path, Park, Pickleball, Playground, TrashSidewalks, Street Lights, Restaurant
  • Bedrooms: 3
  • Baths: 2 full
  • Year Built: 2023
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air, Electric
  • Approx Sq. Feet: 2,073
  • Acreage: 0.15
  • Est. Taxes: $7,090
  • HOA Fee: $620 Semi-Annually
  • Lot Desc: Sprinklers In Front, Sprinklers In Rear
  • Elem. School: Wildlight
  • Middle School: Yulee
  • High School: Yulee
  • Appliances: Dishwasher, Disposal, Double Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned
  • MLS#: 2141429
  • Days on Market: 40 days
  • Website: https://www.raveis.com
    /prop/2141429/377sawpalmettostreet_yulee_fl?source=qrflyer
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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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377 SAW PALMETTO Street, Yulee, FL, 32097

$499,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $399,200 $399,200 $399,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $591 $591 $591
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,391 $2,490 $3,288
Total Monthly Payment $3,057 $3,156 $3,954

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.