Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Southern Creek Townhomes, Fernandina Beach — a gated community home on Amelia Island.

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Active

Active·55 days on market·Southern Creek Townhomes

85118 Southern Creek Boulevard

Fernandina Beach, FL 32034

$551,400$215/sqftEst. $2,835/moMLS# 2114841

Beds

Baths

2,567

Sq Ft

2024

Built

Garage

Pool

About this home

Southern Creek Townhomes

Just off the beaten path, is brand new single-story living on an oversized Southern Creek homesite. This 4BR/3BA home offers 2,567 heated sf with a bright, open layout that feels welcoming the moment you walk in. The island kitchen with pantry flows into the main living area for easy everyday life and effortless entertaining. Thoughtful bedroom separation gives everyone their own space. The primary suite is a true retreat with a walk-in closet and a private bath with a walk-in shower. The setting is the differentiator: a quiet, preserve-style backdrop with extra privacy behind the home. It is ideal for buyers who want breathing room and a lower-maintenance outdoor space, not another weekend of mowing. Spend your weekends at the beach or downtown instead. Gated Southern Creek pairs big-lot living and natural surroundings with convenient access to Fernandina and Amelia Island. Schedule your private tour today. Lending specials available to qualified buyers.

Cost to own

Mortgage calculator

Home Price

$551,400

Down Payment: 20%

$110,280

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,835

Principal & Interest: $2,835

Property taxes (est.): $761

Insurance (est.): $368

Estimated Total Monthly

$3,964

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$2,835

Property taxesest. at asking price, Nassau County$761

HOAbilled annually$83

Estimated total, before insurance$3,679/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,563/yr · $130/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $68,400 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$565,124	$565,124	—
2024	$100,000	$100,000	—
2023	$50,000	$50,000	—
2022	$50,000	$26,620	—
2021	$30,000	$24,200	—
2020	$30,000	$22,000	—

2024 property taxes (current owner): $1,563/yr

Estimated taxes if purchased at asking price: ~$9,100/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: material not specified — year not disclosed (home built 2024)

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

Solar potential: ~1,243 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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 6, 2026Listed$551,400

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$551,400

Price / Sq Ft$215

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,567

Acres0.51 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesSouth

Community Information

Address85118 Southern Creek Boulevard, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionSouthern Creek

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size22,215.6 sq ft

Parcel Number252N27198000070000

ZoningSingle Family

Amenities

AmenitiesGated

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingGarage, Garage Door Opener, Off Street, On Street

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Cooktop, Electric Water Heater, Refrigerator

HeatingCentral, Heat Pump

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup