This home is in Fernandina Beach.
Active·82 days on market
95085 Seymore Lane
Fernandina Beach, FL 32034
About this home
Fernandina Beach
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.
Cost to own
Mortgage calculator
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
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.
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.
History
Price & status history
- Apr 28, 2026Listed$825,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in Fernandina Beach
Active$899,000MLS# 2144822Est. $4,785/mo5012 Karen Street, Fernandina Beach, FL 320343 Beds2 Baths2,172 sqftResidentialFERNANDINA BEACH REALTY
Active Under Contract$815,000MLS# 2142112Est. $4,338/mo85269 Shinnecock Hills Drive, Fernandina Beach, FL 320345 Beds3 Baths2,753 sqftResidentialO-LUXURY REALTY LLC
Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines