Active·341 days on market
94300 Duck Lake Drive
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Discover the perfect blend of comfort, style, and customization in this pre-construction single-family home offering 3 bedrooms, 3 bathrooms, and a versatile office/den. Thoughtfully designed with open living spaces, this home provides a modern layout ideal for today's lifestyle. Enjoy the rare chance to secure pre-construction pricing and personalize your new home by selecting your preferred paints, fixtures, and finishes. The kitchen will feature quality cabinetry, solid-surface countertops, and designer details that flow seamlessly into the dining and living areas. Each bedroom offers generous space and privacy, while the office/den provides flexibility for work, hobbies, or quiet retreat. Additional highlights include a spacious owner's suite with a private bath, energy-efficient construction, and a two-car garage. Outdoor living potential adds the finishing touch for year-round Florida enjoyment. Located in beautiful Fernandina Beach, this new home offers peace and serenity while
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.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,495 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $72,000 | $21,923 | — |
| 2024 | $67,500 | $19,930 | — |
| 2023 | $45,000 | $18,118 | — |
| 2022 | $31,500 | $16,471 | — |
| 2021 | $26,100 | $14,974 | — |
| 2020 | $22,500 | $13,613 | — |
Estimated taxes if purchased at asking price: ~$7,900/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.
History
Price & status history
- Nov 7, 2025Listed$475,000
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 $202/sq ft; this home is listed at $226/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 94014 Duck Lake Drive, Fernandina Beach, FL 32034Listed by SMILEEHOUSE AUCTION CO LLC | Apr 2025 | $172,000 | $92 | 4/2 | 1,860 | 7 | 0.4 |
| 940197 Old Nassauville Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERS | Sep 2026 | $868,000 | $369 | 4/2.5 | 2,350 | 63 | 0.6 |
| 85110 Southern Creek Boulevard, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERS | Aug 2026 | $549,000 | $202 | 4/3.5 | 2,715 | 59 | 0.9 |
| 85158 Southern Creek Boulevard, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jul 2025 | $689,500 | $260 | 5/4 | 2,649 | 25 | 0.9 |
| 85645 Stonehurst Parkway, Fernandina Beach, FL 32034Listed by INTEGRITY ONE PROPERTIES LLC | Oct 2026 | $453,483 | $199 | 4/3 | 2,282 | 48 | 1.8 |
| 85621 Stonehurst Parkway, Fernandina Beach, FL 32034Listed by LATITUDE 30 REALTY LLC | Sep 2026 | $455,000 | $199 | 4/3 | 2,282 | 81 | 1.8 |
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
Additional Information
Listing Courtesy of: LPT REALTY LLC
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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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