This home is in Fernandina Beach — a gated community home on Amelia Island.
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Sold·Closed Mar 12, 2026·101 days on market·Recent sales in Amelia Island
95220 Summerwoods Circle 1204
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Step into easy island living with this freshly updated Summerwoods condo located close to Amelia Island's shoreline. Updates include fresh interior and exterior paint, brand‑new 2025 kitchen appliances, plantation shutters, luxury vinyl plank bedroom flooring, and a 2023 water heater. The gated community offers lush landscaping, a resort‑style pool, and a private 10‑ft‑wide beach path for convenient beach access. Association fees include building and flood insurance, pest control, and a termite bond. Ideally located near the Ritz‑Carlton, Summer Beach, walking trails, golf, shopping, dining, and historic Fernandina Beach. Some furnishings will convey, offering an easy transition into this full‑time residence or lock‑and‑leave retreat.
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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach access
Dune Walk 105about 0.3 mi
Closest park or preserve
Big Talbot Island State Parkabout 5 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 5 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 6 mi · Egan's Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 10 mi · Baseball, Football, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $2,830/yr
Estimated taxes if purchased at asking price: ~$9,000/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.
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 $379/sq ft; this home is listed at $417/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95282 Summerwoods Circle 608, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Oct 2025 | $572,500 | $430 | 2/2 | 1,330 | 126 | 0 |
| 1773 Mariners Walk, Fernandina Beach, FL 32034Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Jan 2026 | $550,000 | $379 | 3/2 | 1,450 | 201 | 0.2 |
| 1768 Mariners Walk 901, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Dec 2025 | $435,000 | $319 | 2/2 | 1,362 | 205 | 0.2 |
| 1790 Mariners Walk, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Dec 2025 | $540,000 | $392 | 2/2 | 1,379 | 86 | 0.2 |
| 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 |
| 4810 Gulfstream Court, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2026 | $272,000 | $237 | 3/2 | 1,149 | 81 | 0.6 |
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
Sold by: SUMMER HOUSE REALTY (buyer's brokerage)
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Mar 12, 2026. 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
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