95318 Katherine Street

Fernandina Beach, FL 32034

$418,010$221/sqftEst. $2,147/moMLS# 1203891

Beds

Baths

1,895

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

Come experience the Captiva plan situated on a private lot backing up to the pond. This home has electric cooktop, double ovens, quartz countertops, upgraded LVP flooring through main areas (excluding bedrooms); flex room, incredible trim package and covered lanai. Photos are of the Captiva Model at Concourse Crossing. Open 7 days a week

Cost to own

Mortgage calculator

Home Price

$418,010

Down Payment: 20%

$83,602

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,147

Principal & Interest: $2,147

Property taxes (est.): $577

Insurance (est.): $279

Estimated Total Monthly

$3,003

*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$2,147

Property taxesest. at asking price, Nassau County$577

HOAbilled annually$79

Estimated total, before insurance$2,803/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.