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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Sold

Sold·Closed Jul 11, 2025·165 days on market·Recent sales in Amelia Island

95085 Willet Way

Fernandina Beach, FL 32034

$1,026,000sold priceListed at $1,069,000 · 96% of asking$338/sqftMLS# 2059984
4
Beds
4.5
Baths
3,039
Sq Ft
2005
Built
2
Garage
No
Pool
HOA $295/mo5,663 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Fernandina Beach

Time to put your snowblower and snow shovels on Craigslist. You won't be needing them any longer, because you decided to move to Paradise. And, your paradise awaits you in Amelia Island. A private oasis is yours in the prestigious gated Preserve on Amelia Island. This is where you will find your courtyard home that features 4 bedrooms, 5 baths, and boasts over 3000 ft. of living area. From the moment you pass through your double door entry, you will find yourself gazing into your exquisite, pavered courtyard, featuring the relaxing sounds of your tranquil waterfall. The main living area features large double doors that allow you to incorporate your ample living space directly into the courtyard area as well. You will appreciate the spacious kitchen that features updated appliances. So many small details make this home a stand out. From the back lighted, built-in cabinetry in the living room, numerous transom windows, and attention to architectural detail both inside and out, you will

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$5,683
Property taxesest. at asking price, Nassau County$1,416
HOAbilled monthly$295
Estimated total, before insurance$7,394/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$11,313/yr · $943/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,026,000
$205,200
Loan Term
Monthly Payment
$5,683
Principal & Interest: $5,683
Property taxes (est.): $1,416
Insurance (est.): $684
Estimated Total Monthly
$7,783
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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: Tile — year not disclosed (home built 2005)

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

Solar potential: ~1,767 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $11,313/yr

Estimated taxes if purchased at asking price: ~$17,000/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.

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 $431/sq ft; this home is listed at $352/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4433 Bean Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPSep 2026$799,900$3473/2.52,304160.2
95249 Whistling Duck Circle, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESNov 2025$1,200,000$4314/32,782550.2
1657 Rigging Way, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESDec 2025$1,300,000$3753/3.53,466700.3
1656 Rigging Way, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESOct 2025$1,100,000$4234/32,599330.3
1587 Regatta Drive, Fernandina Beach, FL 32034Listed by BEYCOME OF FLORIDA LLCApr 2026$1,270,000$5193/32,449180.4
95118 Captains Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYFeb 2026$1,750,000$5324/43,28900.4

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$1,069,000
Price / Sq Ft$352
Bedrooms4
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage3,039
Acres0.13 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address95085 Willet Way, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionPreserve At Summer Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size5,662.8 sq ft
Parcel Number00SB30167100060000
ZoningResidential

Amenities

AmenitiesPool, Gated, Maintenance Grounds
UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Cooktop, Gas Range, Microwave, Refrigerator, Water Softener Owned, Wine Cooler
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo

Exterior

Patio / PorchRear Porch, Screened
RoofTile
Road SurfaceAsphalt

Additional Information

Date ListedJuly 3, 2025
Days on Market165
HOA Fees$295 / Monthly
HOA FrequencyMonthly
HOA NameAssocia CMC of Jacksonville
HOA Fee IncludesMaintenance Grounds, Trash
Tax Amount$11,312.55
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA & COMPANY REAL ESTATE LLC

Sold by: AMELIA ISLAND REAL ESTATE SERVICES (buyer's brokerage)

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 Jul 11, 2025. 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.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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