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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed Oct 29, 2025·69 days on market

96512 Stillpoint Way

Fernandina Beach, FL 32034

$374,990sold priceListed at $383,990 · 97.7% of asking$270/sqftMLS# 2102779
3
Beds
2
Baths
1,388
Sq Ft
2025
Built
2
Garage
No
Pool
HOA $74/moSingle Family Residence1 storyNew construction

About this home

Fernandina Beach

Begin your next chapter in this stunning new construction home located in the charming Preserve at Concourse Crossing. Enjoy well-designed, modern living with the Miramar plan. A porch entry and foyer lead to an impressive open chef's kitchen with a center-island and a walk-in pantry, steps away from a dining area and an airy great room. A covered patio can be accessed through the triple slider glass door. You'll find the owner's suite adjacent, offering a walk-in closet and a private bath with dual vanities and a benched shower. Two additional bedrooms, a bath, and a laundry complete the plan.

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$2,077
Property taxesest. at asking price, Nassau County$518
HOAbilled annually$74
Estimated total, before insurance$2,669/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$374,990
$74,998
Loan Term
Monthly Payment
$2,077
Principal & Interest: $2,077
Property taxes (est.): $518
Insurance (est.): $250
Estimated Total Monthly
$2,845
*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: Shingle — year not disclosed (home built 2025)

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

Solar potential: ~1,523 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): $216/yr

Estimated taxes if purchased at asking price: ~$6,200/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 $231/sq ft; this home is listed at $277/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
97280 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2026$405,000$2273/21,787890.5
97049 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYMay 2026$439,900$2513/21,755540.6
95539 Tyson Road, Fernandina Beach, FL 32034Listed by CENTURY 21 MILLER ELITE LLCApr 2026$310,000$2594/21,196330.6
95083 Colnago Court, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2026$340,000$2173/21,569890.7
97166 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$395,000$2313/21,707140.7
96009 College Parkway, Fernandina Beach, FL 32034Listed by AXEN REALTY LLCMay 2026$410,025$2284/21,800430.7

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$383,990
Price / Sq Ft$277
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,388
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

Community Information

Address96512 Stillpoint Way, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionConcourse Crossing
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number292N28033100680000
ZoningResidential

Amenities

Community FeaturesSidewalks, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Front Porch, Patio
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt

Additional Information

Date ListedAugust 7, 2025
Days on Market69
HOA Fees$888 / Annually
HOA FrequencyAnnually
Tax Amount$216.38
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: CENTURY COMMUNITIES OF FLORIDA

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 29, 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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