This home is in Fernandina Beach.

Active

Active·239 days on market

96769 O Neil Scott Road

Fernandina Beach, FL 32034

$3,995,000$1712/sqftEst. $21,263/moMLS# 2118416

Beds

Baths

2,334

Sq Ft

1988

Built

—

Garage

Pool

About this home

Fernandina Beach

WATERFRONT DEVELOPMENT HERE IT IS. 18+/- ACRES and a DOCK in place This 18 acre parcel could be a Community Dock for a 55 home (1/3 acre/home) development. Could split & make 5 Waterfront lots for sale. Possibilities are endless.

Cost to own

Mortgage calculator

Home Price

$3,995,000

Down Payment: 20%

$799,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$20,180

Principal & Interest: $20,180

Est. Taxes & Insurance: $5,045

Estimated Total Monthly

$25,225

*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$21,263

Property taxesest. at asking price, Nassau County$5,515

Estimated total, before insurance$26,778/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	$589,055	$71,180	—
2024	$580,616	$68,466	—
2023	$508,983	$65,016	—
2022	$414,728	$61,666	—
2021	$376,991	$58,487	—
2020	$332,375	$57,071	—

Estimated taxes if purchased at asking price: ~$66,200/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: Shingle — year not disclosed (home built 1988)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,665 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 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