This home is in Fernandina Beach — a gated community home on Amelia Island.
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Sold·Closed Mar 16, 2026·120 days on market·Recent sales in Amelia Island
95366 Spinnaker Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
LOCATION, LOCATION, LOCATION!! Live the Amelia Island lifestyle on coveted Spinnaker Drive in Golfside North. Reduced for renovations, this coastal home offers ocean views, private beach access, and a community pool within a gated neighborhood. Blending island charm with modern updates, it features new flooring, a leaf water filtration system, and inviting outdoor living spaces on every level. The rare basement-level retreat includes a bedroom, living area, and pool table—ideal for multi-generational living, guests, or entertaining. Enjoy ocean breezes from patios and balconies, stroll to the beach, or join the nearby Golf Club of Amelia Island for golf, tennis, and social events. This home is your entry into the best of Amelia Island coastal living—schedule your private tour today! Full renovation plans and costs available upon request.
Next steps in Amelia Island
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.
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.
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 1990)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,782 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 homeThis 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.
Cost to own
Taxes & assessment
Last sold: $945,000 in August 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,235,598 | $1,235,598 | — |
| 2024 | $1,274,975 | $383,998 | — |
| 2023 | $1,033,565 | $371,212 | — |
| 2022 | $895,880 | $363,298 | — |
| 2021 | $791,335 | $351,746 | — |
| 2020 | $723,271 | $346,199 | — |
Estimated taxes if purchased at asking price: ~$22,900/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.
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 $371/sq ft; this home is listed at $433/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95384 Captains Way, Fernandina Beach, FL 32034Listed by CENTURY 21 MILLER ELITE LLC | Aug 2026 | $1,200,000 | $386 | 3/3.5 | 3,110 | 66 | 0.3 |
| 1657 Rigging Way, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Dec 2025 | $1,300,000 | $375 | 3/3.5 | 3,466 | 70 | 0.8 |
| 4919 Yachtsmans Drive, Fernandina Beach, FL 32034Listed by CRATEM REALTY COMPANY | Aug 2026 | $950,000 | $371 | 4/3 | 2,559 | 3 | 1 |
| 3110 Egans Bluff Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $645,000 | $249 | 3/2 | 2,590 | 39 | 1.3 |
| 2972 Ferdinand Court, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2026 | $885,000 | $316 | 5/3 | 2,797 | 51 | 1.7 |
| 96025 Sea Breeze Way, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2026 | $1,105,000 | $304 | 4/4.5 | 3,632 | 156 | 1.7 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FERNANDINA BEACH 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Mar 16, 2026. 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
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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