This home is in Fernandina Beach — a gated community home on Amelia Island.
No photos available
This listing has no photos yet
No photos available
This listing has no photos yet
Sold·Closed Dec 22, 2025·32 days on market·Recent sales in Amelia Island
95220 Summerwoods Circle 1205
Fernandina Beach, FL 32034
About this home
Fernandina Beach
PRIVATE BEACH ACCESS - Listen to the Ocean waves from your Balcony or take your golf cart on your private beach access path. Summerwoods is a quaint gated community of luxury condo's on Amelia Island across from Summer Beach. You are just 5 minutes from Shopping, Restaurants and 15 min. to Historic Downtown Fernandina. Enter the home from your Private Entry or Garage then up the Wooden Staircase w/Wainscoting detail to your Large and Open Living Space complete w/Soaring Ceilings, Gourmet Kitchen w/lrg. Counter Height Island, w/Quartz Cntrs., Walk-in Pantry, Tile Back Splash, Undr. Cab. lighting, Looking onto the Spacious Dining and Living Areas w/Tray Ceiling & Access to Private Balcony, The Primary Suite is Spacious w/Accent Wall, Walk-in Closet, Ensuite Bath w/Double Vanity, Sep. Shower and Garden Style Tub, Bedroom 2 is located by Guest Bath, There is a Landing w/Flex Space, Laundry Closet and a 3rd Bedroom/2nd Primary Suite and the Building has new exterior paint.
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 (that applies to the reference bill above too).
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: Metal — year not disclosed (home built 2015)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,819 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
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.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $5,890/yr
Estimated taxes if purchased at asking price: ~$11,400/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.
History
Price & status history
- Nov 1, 2025Listed$699,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $376/sq ft; this home is listed at $339/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95068 Summerwoods Circle 2206, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jul 2026 | $740,000 | $358 | 3/3 | 2,065 | 57 | 0.1 |
| 96135 Hanging Moss Drive, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | Jun 2026 | $775,000 | $370 | 3/2.5 | 2,093 | 1 | 0.1 |
| 95130 Sabal Palm Road 103, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Apr 2026 | $840,000 | $394 | 3/2.5 | 2,134 | 74 | 0.1 |
| 5242 Sea Chase Drive #1 8A, Fernandina Beach, FL 32034Listed by DALTON WADE INC | Aug 2026 | $1,430,000 | $757 | 3/3 | 1,889 | 142 | 0.5 |
| 95024 Barclay Place 4A, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2026 | $580,000 | $376 | 2/2 | 1,541 | 54 | 0.6 |
| 3323 Sea Marsh Road, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUP | Aug 2026 | $565,000 | $353 | 2/2 | 1,600 | 11 | 1.5 |
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: WATSON REALTY CORP
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.
Keep looking
Similar homes in Fernandina Beach
Explore the area
More in Amelia Island
Amelia Island guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Dec 22, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines