This home is in Fernandina Beach.

1 / 3

Pending

Pending·1301 days on market

95084 Terri'S Way 4A

Fernandina Beach, FL 32034

$320,750$176/sqftEst. $1,707/moMLS# 1204775

Beds

Baths

1,827

Sq Ft

2023

Built

Garage

Pool

About this home

Fernandina Beach

Century Communities is proud to introduce the Bimini! Concourse Crossing will have 38 Townhomes nestled in Phase 1 of our Community. This END UNIT floor plan offers a loft in addition to 3 bedrooms, a covered lanai and upgraded flooring throughout the first floor. Want the ease of a lock and leave lifestyle? The Bimini is for you! Annual dues include exterior maintenance and lawn care.

Cost to own

Mortgage calculator

Home Price

$320,750

Down Payment: 20%

$64,150

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,707

Principal & Interest: $1,707

Est. Taxes & Insurance: $427

Estimated Total Monthly

$2,134

*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$1,707

Property taxesest. at asking price, Nassau County$441

HOAbilled annually$250

Estimated total, before insurance$2,398/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.

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 2023)

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

Solar potential: ~1,545 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.