This home is in Amelia National, Fernandina Beach — a gated community home on Amelia Island.
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Sold·Closed Aug 29, 2025·125 days on market·Recent sales in Amelia National·Amelia National
95384 Bermuda Drive
Fernandina Beach, FL 32034
28 more homes for sale in Amelia National →Search Amelia National on the map
About this home
Amelia National
Easy to show! Welcome to 95384 Bermuda Drive, a stunning 4-bedroom, 3-bathroom home located in the prestigious Amelia National community in Fernandina Beach. This beautiful residence boasts 2,565 sq ft of living space, offering high ceilings and abundant natural light throughout. The gourmet kitchen is a chef's dream with upgraded appliances, perfect for entertaining. The split floor plan offers privacy, with the owner's suite at the rear of the home, featuring a spacious bath and walk-in closet. Relax and unwind by the brand-new in-ground pool with sun shelf or enjoy the views of the tranquil lake from your screened-in porch. Additional highlights include a home office with barn doors, a 3-car garage, and a manned gated entry. Amelia National offers golf, tennis, a gym, and a clubhouse, making it the ultimate in Florida living! Home is in walking distance to the club and tennis courts!
Next steps in Amelia National
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,655 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 homeThis 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $770,371 | $375,881 | — |
| 2024 | $713,153 | $364,580 | — |
| 2023 | $586,279 | $299,068 | — |
| 2022 | $504,138 | $288,901 | — |
| 2021 | $383,603 | $279,030 | — |
| 2020 | $361,307 | $274,487 | — |
2024 property taxes (current owner): $7,306/yr
Estimated taxes if purchased at asking price: ~$11,700/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.
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 $213/sq ft; this home is listed at $284/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 83122 Village Walk, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $390,000 | $213 | 4/2 | 1,830 | 55 | 0.5 |
| 94974 Windflower Trail, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $530,000 | $223 | 4/3 | 2,376 | 5 | 0.6 |
| 95237 Periwinkle Place, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $410,000 | $160 | 4/2.5 | 2,566 | 43 | 0.6 |
| 95241 Snapdragon Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Sep 2026 | $636,000 | $193 | 4/4 | 3,290 | 4 | 0.6 |
| 32165 Juniper Parke Drive, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $450,000 | $206 | 4/2 | 2,180 | 262 | 0.7 |
| 86107 Remsenburg Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Sep 2026 | $527,500 | $237 | 5/3 | 2,223 | 44 | 0.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ROUND TABLE REALTY
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.
The neighborhood
About Amelia National
Amelia National is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
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Your Local Realtor

Krista Fracke
Broker Associate
This home sold on Aug 29, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines











