Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a home near Yulee High School.

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Pending

Pending·1395 days on market

95254 Katherine Street

Fernandina Beach, FL 32034

$442,620$176/sqftEst. $2,273/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: 6.65%

Loan Term

Monthly Payment

$2,273

Principal & Interest: $2,273

Property taxes (est.): $611

Insurance (est.): $295

Estimated Total Monthly

$3,179

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,273

Property taxesest. at asking price, Nassau County$611

HOAbilled annually$79

Estimated total, before insurance$2,963/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.

Cost to own

Taxes & assessment

Last sold: $440,400 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$398,438	$0	—
2024	$395,549	$0	—
2023	$60,000	$60,000	—
2022	$25,000	$25,000	—

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 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 (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

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.