This home is in Fernandina Beach.

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Active

Active·250 days on market

94300 Duck Lake Drive

Fernandina Beach, FL 32034

$475,000$226/sqftEst. $2,528/moMLS# 2116944

Beds

Baths

2,099

Sq Ft

2026

Built

Garage

Pool

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

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,399

Principal & Interest: $2,399

Est. Taxes & Insurance: $600

Estimated Total Monthly

$2,999

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,528

Property taxesest. at asking price, Nassau County$656

Estimated total, before insurance$3,184/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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.

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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History