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Sold·Closed Jun 10, 2025·25 days on market
97037 Mill Pond Lane
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Gorgeous neighborhood with huge oak trees, located within minutes to Amelia Island. This home features new flooring throughout, spa-like master bathroom, remodeled kitchen, newer appliances and wine bar nook. There is an additional office/4th bedroom, separate breakfast area and dining room. This light and bright home has an open floor plan with a master suite on one side of the house. Home has many updates including new roof (2024), AC (2017), Septic (2024) and fence (2024). A rated school district and zoned for Fernandina Beach schools. The homes sell quickly in this area, schedule your appointment to see today!
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
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $379,147 | $113,144 | — |
| 2024 | $350,541 | $109,248 | — |
| 2023 | $312,664 | $104,610 | — |
| 2022 | $280,081 | $100,107 | — |
| 2021 | $223,077 | $95,735 | — |
| 2020 | $210,375 | $93,723 | — |
2024 property taxes (current owner): $1,866/yr
Estimated taxes if purchased at asking price: ~$7,800/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 $296/sq ft; this home is listed at $261/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96452 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $675,000 | $298 | 4/2 | 2,265 | 6 | 0.4 |
| 95016 Piney Island Court, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2026 | $460,000 | $223 | 3/2.5 | 2,062 | 11 | 0.8 |
| 96102 Piney Island Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Aug 2026 | $615,000 | $296 | 4/2 | 2,075 | 122 | 1 |
| 96102 Windsor Drive, Yulee, FL 32097Listed by SUMMER HOUSE REALTY | Jun 2026 | $520,000 | $211 | 4/3 | 2,463 | 15 | 1 |
| 96276 Piney Island Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $592,000 | $263 | 3/2.5 | 2,251 | 111 | 1.1 |
| 96285 Light Wind Drive, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | Sep 2026 | $595,000 | $324 | 3/2 | 1,838 | 0 | 1.3 |
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: COASTAL HOMES AND LAND 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.
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 10, 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
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines