This home is in Fernandina Beach.
Active·102 days on market
96014 Inlet Cove Court
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Welcome to this fabulous, fully renovated move-in ready 3-bedroom, 2-bath ranch home nestled on a large .30-acre lot in highly sought-after Fernandina Beach. Step inside to a bright open kitchen-living concept that's ideal for today's indoor/outdoor Florida lifestyle. The dream kitchen features an island that is a true centerpiece with beautiful Quartz countertops. This is perfect for casual dining or gathering with friends. The kitchen has a spacious pantry, great counter workspace, and abundant cabinet storage for every kitchen gadget imaginable. From the kitchen, take your party or quiet meal to the screened lanai to dine al fresco. The entire home boasts beautiful hardwood flooring, with stylish tile in the bathrooms and laundry room. Fresh interior paint gives the home a clean, updated feel throughout. The extra-large primary suite is a wow factor! Complete with double door entry, a luxurious en suite bathroom features a sleek stand-alone tub, double vanity, modern glass-enclosed
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
Last sold: $450,000 in June 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $370,226 | $306,576 | — |
| 2024 | $347,228 | $297,228 | — |
| 2023 | $329,186 | $156,650 | — |
| 2022 | $250,848 | $149,331 | — |
| 2021 | $211,252 | $143,525 | — |
| 2020 | $190,853 | $140,853 | — |
2024 property taxes (current owner): $4,803/yr
Estimated taxes if purchased at asking price: ~$7,300/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 (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 2003)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA
County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,716 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
- Jul 15, 2026Price change$439,500−$6,450
- Apr 8, 2026Listed$445,950
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: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines