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Sold

Sold·Closed Nov 22, 2024·221 days on market

96061 Waters Court

Fernandina Beach, FL 32034

$391,500sold priceListed at $399,000 · 98.1% of asking$173/sqftMLS# 2015803
3
Beds
2.5
Baths
2,268
Sq Ft
2004
Built
2
Garage
No
Pool
HOA $47/mo6,098 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Fernandina Beach

Nestled on a quaint suburban street, this charming two-story home boasts a classic exterior with stucco, accented by white-trimmed windows. A neatly manicured lawn wraps around the house, featuring flower beds and shrubs. A paved driveway leads to the attached two-car garage, providing convenient parking for residents.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,169
Property taxesest. at asking price, Nassau County$540
HOAbilled annually$47
Estimated total, before insurance$2,756/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$391,500
$78,300
Loan Term
Monthly Payment
$2,169
Principal & Interest: $2,169
Property taxes (est.): $541
Insurance (est.): $261
Estimated Total Monthly
$2,970
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

2023 property taxes (current owner): $6,321/yr

Estimated taxes if purchased at asking price: ~$6,500/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, NEFMLS.

History

Price & status history

  • Mar 22, 2024Listed$399,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $237/sq ft; this home is listed at $176/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
23701 Flora Parke Boulevard, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$389,000$2384/21,636100.4
86107 Remsenburg Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESSep 2026$527,500$2375/32,223440.5
32165 Juniper Parke Drive, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSAug 2026$450,000$2064/22,1802620.5
33034 Sunny Parke Circle, Fernandina Beach, FL 32034Listed by REAL BROKER LLCAug 2026$335,000$1294/22,59720.5
86408 Eastport Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAAug 2026$549,750$2413/2.52,281390.7
83122 Village Walk, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$390,000$2134/21,830550.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$399,000
Price / Sq Ft$176
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,268
Acres0.14 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Pool FeaturesNone
Is WaterfrontYes

Community Information

Address96061 Waters Court, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionLofton Point
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size6,098.4 sq ft
Parcel Number012N27127000670000

Amenities

UtilitiesElectricity Connected, Sewer Connected
Water SourcePublic
ParkingAttached
Waterfront TypePond

Interior

AppliancesDishwasher, Disposal, Microwave
HeatingElectric
CoolingCentral Air
# of Stories2
LevelsTwo

Exterior

ConstructionStucco

Additional Information

Date ListedMarch 22, 2024
Days on Market221
HOA Fees$565 / Annually
HOA FrequencyAnnually
Tax Amount$6,321.1
Tax Year2023
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ENTERA REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Nov 22, 2024. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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