This home is in Oyster Bay Harbours, Fernandina Beach — a gated community home on Amelia Island.
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Sold·Closed Apr 2, 2026·128 days on market·Recent sales in Oyster Bay Harbours·Oyster Bay Harbours
96492 Soap Creek Drive
Fernandina Beach, FL 32034
All Oyster Bay Harbours homes for sale →Search Oyster Bay Harbours on the map
About this home
Oyster Bay Harbours
Welcome to Oyster Bay Harbour! This stunning 3-bedroom, 3-bath custom home showcases panoramic sunrise views over the Amelia River from every room. Open living and dining areas lead to a wraparound deck for seamless indoor-outdoor living. The kitchen includes a large island, quartz counters, and a butler's galley. White maple floors, coffered ceilings, and a gas fireplace add warmth and elegance. The owner's suite, accessible by elevator, is a treetop retreat. It offers a private balcony and a flexible nook for an office or gym. The main-level guest suite could serve as the primary with water views, two closets, and an ensuite bath. Additional features include a whole home generator, climate-controlled workshop, under-home storage, outdoor shower, and fenced yard. On one of the community's best lots, this home delivers coastal living at its finest. Oyster Bay Yacht Club membership is optional. Zoned for island schools.
Next steps in Oyster Bay Harbours
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.
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: Metal — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,757 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.
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
Seaside Park18 min drive · 75 parking spaces
Closest park or preserve
Egans Creek Greenway22 min drive · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 4 mi · Egan's Creek
Closest grocery store
Aldiabout 3 mi · 947 Amelia Plz, 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.
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 $365/sq ft; this home is listed at $385/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96478 Soap Creek Drive, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $1,250,000 | $367 | 3/2.5 | 3,405 | 4 | 0 |
| 96513 Soap Creek Drive, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2026 | $920,000 | $383 | 3/3 | 2,404 | 4 | 0.1 |
| 96248 Light Wind Drive, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Sep 2026 | $950,000 | $365 | 4/2 | 2,600 | 17 | 0.2 |
| 96042 Lanceford Lane, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $900,000 | $304 | 4/4 | 2,957 | 85 | 0.5 |
| 96084 Lanceford Lane, Fernandina Beach, FL 32034Listed by MARK SPAIN REAL ESTATE | Mar 2026 | $800,000 | $251 | 5/3.5 | 3,186 | 62 | 0.5 |
| 95094 Sea Hawk Place, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Mar 2026 | $940,000 | $307 | 5/3.5 | 3,064 | 253 | 0.6 |
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: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
Sold by: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS (buyer's brokerage)
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 Oyster Bay Harbours
Oyster Bay Harbours is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Apr 2, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines