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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 Summer Beach, Fernandina Beach — a gated community home on Amelia Island.

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Sold

Sold·Closed Sep 8, 2025·55 days on market·Recent sales in Summer Beach·Summer Beach

96183 Sylvester Drive

Fernandina Beach, FL 32034

$800,000sold priceListed at $825,000 · 97% of asking$366/sqftMLS# 2098898
4
Beds
3.5
Baths
2,187
Sq Ft
2022
Built
2
Garage
No
Pool

4 more homes for sale in Summer Beach →Search Summer Beach on the map

HOA $383/mo3,485 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Summer Beach

Coastal Comfort Meets Effortless Living on Amelia Island! Live the island lifestyle without the upkeep in this thoughtfully upgraded residence in The Enclave at Summer Beach—just a short stroll to the ocean, bike path, and local shops. Designed for easy living and elevated style, this home features engineered oak floors, solid core doors, plantation shutters, California Closet built-ins, and tiled-to-ceiling showers with honed marble floors. The kitchen offers quartz countertops, double-stacked soft-close cabinets, a gas cooktop, stainless GE appliances, coffee bar, and custom pantry built-ins. Outdoors, relax on the extended paver patio set on a shaded, low-maintenance lot with optional fencing. Enjoy the ease of a gated community with lawn care included, plus access to the resort-style pool and community pavilion. OUR FAVORITE FEATURES: ENGINEERED OAK FLOORS, QUARTZ COUNTERS, GAS COOKTOP, PLANTATION SHUTTERS, DOUBLE STACKED CABINETS, HONED MARBLE SHOWER, EPOXY GARAGE FLOORS!

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$4,431
Property taxesest. at asking price, Nassau County$1,104
HOAbilled monthly$383
Estimated total, before insurance$5,919/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,015/yr · $585/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

$800,000
$160,000
Loan Term
Monthly Payment
$4,431
Principal & Interest: $4,431
Property taxes (est.): $1,104
Insurance (est.): $533
Estimated Total Monthly
$6,069
*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 2022)

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

Solar potential: ~1,806 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): $7,015/yr

Estimated taxes if purchased at asking price: ~$13,300/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 $383/sq ft; this home is listed at $377/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
96014 Enclave Manor, Fernandina Beach, FL 32034Listed by LPT REALTY LLCJun 2026$760,000$3603/32,1132040.1
96067 Enclave Manor, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYMay 2025$985,000$3803/3.52,589150.1
1428 Plantation Oaks Lane, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$742,000$4423/21,67820.3
1793 Arbor Drive, Fernandina Beach, FL 32034Listed by NON MLS (realMLS)Jul 2025$765,000$3833/21,99610.3
1558 Plantatin Oaks Terrace, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESJan 2026$720,000$3523/22,04640.4
1798 Jackson Court, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYMay 2025$1,110,000$4623/22,40260.4

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$825,000
Price / Sq Ft$377
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,187
Acres0.08 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address96183 Sylvester Drive, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionEnclave At Summer Beach
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size3,484.8 sq ft
Lot Dimensions34x100
Parcel Number00SB30047E00270000
ZoningResidential

Amenities

AmenitiesPool, Gated, Jogging Path, Maintenance Grounds
Community FeaturesSidewalks
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, Guest
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
# of Stories2
LevelsTwo
LaundryGas Dryer Hookup, In Unit, Lower Level, Washer Hookup
SecurityFire Alarm, Security Gate, Smoke Detector(s)
Spa FeaturesIn Ground, Community

Exterior

Patio / PorchCovered, Porch, Rear Porch
RoofTile
ConstructionFrame, Stucco
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedJuly 16, 2025
Days on Market55
HOA Fees$383 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds
Tax Amount$7,014.89
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SUMMER HOUSE REALTY

Sold by: NON MLS (realMLS) (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.

The neighborhood

About Summer Beach

Summer Beach is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Summer Beach homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 8, 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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