Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Amelia National, Fernandina Beach — a golf community home on Amelia Island.

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Pending

Pending·86 days on market·Amelia National

95214 Golden Glow Drive

Fernandina Beach, FL 32034

$670,000$268/sqftEst. $3,444/moMLS# 2080998

Beds

Baths

2,496

Sq Ft

2023

Built

Garage

Pool

About this home

Amelia National

MAJOR price improvement! Instant equity. CDD fee paid in FULL! Why wait for the builder? 30K+ in upgrades- Experience luxurious resort-style living year-round in the prestigious gated golf country club Amelia National. The Costa Mesa is one of ICI's most sought after floor plans providing a spacious, open floor plan concept that flows seamlessly throughout featuring a gourmet kitchen with oversized island serving as the centerpiece overlooking the living room and separate formal dining room with modern upgrades throughout. 4 bedrooms PLUS an office/flex room and 3 full baths, this home offers the perfect amount of functionality and space. Soaring ceilings and an abundance of windows allow natural light to flood the home. You are also able to sip on your favorite beverage in privacy on your newly screened in lanai overlooking the preserve. New gutters, water softener, landscaping, and custom built-in closets installed. Amelia National Country Club Community offers a Tom Fazio designer

Cost to own

Mortgage calculator

Home Price

$670,000

Down Payment: 20%

$134,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,444

Principal & Interest: $3,444

Property taxes (est.): $925

Insurance (est.): $447

Estimated Total Monthly

$4,816

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$3,444

Property taxesest. at asking price, Nassau County$925

HOAbilled annually$75

Estimated total, before insurance$4,444/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$9,707/yr · $809/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).

Cost to own

Taxes & assessment

Last sold: $750,000 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$623,681	$572,959	—
2024	$629,381	$579,381	—
2023	$115,000	$88,000	—
2022	$80,000	$80,000	▼ $20,000
2021	$25,643	$25,643	—

2024 property taxes (current owner): $9,707/yr

Estimated taxes if purchased at asking price: ~$11,100/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2023)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, 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.

History

Price & status history

Jul 26, 2026Pending$670,000
Jun 4, 2026Listed$670,000

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

Features

Price$670,000

Price / Sq Ft$268

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,496

Acres0.19 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address95214 Golden Glow Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia National

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size8,276.4 sq ft

Parcel Number272N28006C03980000

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Golf Course, Jogging Path, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

# of Stories1

Window FeaturesSkylight(s)

SecurityGated with Guard

Spa FeaturesCommunity