This home is in Seymore Point, Fernandina Beach — a waterfront home in Nassau County.
Active·178 days on market·Seymore Point
95085 Seymore Lane
Fernandina Beach, FL 32034
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About this home
Seymore Point
HUGE Price adjustment!!! Your chance to own a little slice of Heaven! Absolutely incredible views from this deep water homesite. This property is picturesque with its mature oaks, Spanish moss and private setting on the water. Perfect for weekend getaways or a second home. This dock could be modified to accommodate a larger-sized boat. Alligator Creek is navigable water that directly connects to the Intracoastal waterway. Whether you like fishing, water sports or cruising, this property has it all. The home is raised on stilts and there has never been any flooding issues on the interior of the home. Large living room with built-in entertainment center which also gives you panoramic views inside or from the wraparound deck. Lower level includes picnic area, storage, laundry and even an elevator to the second level. Property is on an artesian well and septic and also includes a large shed and carport.
Next steps in Seymore Point
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.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 1996)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Burney Parkabout 3 mi · 220 parking spaces
Closest park or preserve
Big Talbot Island State Park39 min drive · 11.2 mi of trails
Closest public boat ramp
Holly Point Boat Rampabout 3 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 5 mi · Edwards Creek
Closest grocery store
Harris Teeter22 min drive · 4800 1st Coast Highway, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:34 AM, sunset 6:47 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $961,627 | $961,627 | ▼ $14,994 |
| 2024 | $919,552 | $222,118 | — |
| 2023 | $562,914 | $214,192 | — |
| 2022 | $482,752 | $206,497 | — |
| 2021 | $405,934 | $199,026 | — |
| 2020 | $365,834 | $195,588 | — |
2024 property taxes (current owner): $3,629/yr
Estimated taxes if purchased at asking price: ~$13,700/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.
History
Price & status history
- Apr 28, 2026Listed$825,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $270/sq ft; this home is listed at $759/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95153 Point Seymore Trail, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Aug 2025 | $850,000 | $672 | 2/2 | 1,264 | 161 | 0.2 |
| 95060 Holmberg Lane, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS FIRST COAST REALTY | Mar 2026 | $260,000 | $185 | 3/2 | 1,408 | 38 | 0.6 |
| 95539 Tyson Road, Fernandina Beach, FL 32034Listed by CENTURY 21 MILLER ELITE LLC | Apr 2026 | $310,000 | $259 | 4/2 | 1,196 | 33 | 1.2 |
| 95118 Petunia Court, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Feb 2026 | $160,000 | $153 | 2/2 | 1,043 | 89 | 1.6 |
| 96445 Stillpoint Way, Fernandina Beach, FL 32034Listed by CENTURY COMMUNITIES OF FLORIDA | Aug 2025 | $389,990 | $281 | 3/2 | 1,388 | 77 | 1.7 |
| 96512 Stillpoint Way, Fernandina Beach, FL 32034Listed by CENTURY COMMUNITIES OF FLORIDA | Oct 2025 | $374,990 | $270 | 3/2 | 1,388 | 69 | 1.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES 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 Seymore Point
Seymore Point is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
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Your Local Realtor
Krista Fracke
Broker Associate
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