This home is in Fernandina Beach.

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Pending

Pending·1347 days on market

95254 Katherine Street

Fernandina Beach, FL 32034

$442,620$176/sqftEst. $2,356/moMLS# 1198583

Beds

Baths

2,511

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

Introducing our Amelia II plan. This home has a low country elevation and offers a first floor primary suite with an incredible walk in closet. Upstairs has 3 additional bedrooms all with walk in closets and a huge Game Room. This home offers upgrades such as double ovens, upgraded LVP through main level excluding bedrooms and a covered lanai with ceiling fan. Delivery estimated for March of 2023.

Cost to own

Mortgage calculator

Home Price

$442,620

Down Payment: 20%

$88,524

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,356

Principal & Interest: $2,356

Est. Taxes & Insurance: $589

Estimated Total Monthly

$2,945

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$2,356

Property taxesest. at asking price, Nassau County$609

HOAbilled annually$79

Estimated total, before insurance$3,044/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$398,438	$0	—

Estimated taxes if purchased at asking price: ~$7,300/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 502 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,745 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.