Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

No photos available

This listing has no photos yet

Sold

$555,000Sold6 bd · 4 ba · 3,198 sq ft

Sold·Closed Apr 8, 2026·116 days on market

95214 Katherine Street

Fernandina Beach, FL 32034

$555,000sold priceListed at $575,000 · 96.5% of asking$174/sqftMLS# 2119223
6
Beds
4
Baths
3,198
Sq Ft
2022
Built
2
Garage
No
Pool
HOA $74/mo7,841 sqft lotSingle Family Residence2 stories

About this home

Fernandina Beach

Discover this STUNNING FORMER MODEL in the desirable Concourse Crossing community -- OFFERED FULLY FURNISHED with the original builder staging plus a freestanding sauna. This 6-bedroom, 4-bath beauty is loaded with upgrades and absolutely unforgettable -- including $10,000 in seller-added extras featuring plantation shutters, a whole-home water system with reverse osmosis, and a fully fenced yard. Step inside to admire the custom board and batten walls, custom light fixtures, elegant gold-accent finishes, an electric fireplace, and designer tile in the laundry room. The gourmet kitchen shines with two-toned cabinetry, an electric cooktop, double ovens, a white apron-front sink, and an oversized island ideal for gatherings. The FIRST-FLOOR PRIMARY SUITE offers comfort and convenience with private access to the covered lanai and serene preserve views. A second bedroom and full guest bath downstairs make the perfect setup for guests or multigenerational living. Upstairs, you'll find a

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.18% · 30yr$3,008
Property taxesest. at asking price, Nassau County$743
HOAbilled annually$74
Estimated total, before insurance$3,824/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,261/yr · $605/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, 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).

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: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,702 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.

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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

Last sold: $555,000 in April 2026(county public record, not MLS data)

YearMarket valueTaxable valueChange
2026$455,076$403,665—

2024 property taxes (current owner): $7,261/yr

Estimated taxes if purchased at asking price: ~$8,900/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 320 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), 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 $194/sq ft; this home is listed at $174/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
95238 Katherine Street, Fernandina Beach, FL 32034Listed by 1 PERCENT LISTS FIRST COASTAug 2026$404,000$1684/32,407720
95967 Surrey Place, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPOct 2026$425,000$1784/32,388220.3
95958 Surrey Place, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$440,000$1934/2.52,28590.3
95043 Poplar Way, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$569,900$2384/32,396980.5
95191 Poplar Way, Fernandina Beach, FL 32034Listed by MARK SPAIN REAL ESTATEAug 2026$600,000$2213/32,712220.7
95134 Snapdragon Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTYOct 2026$535,000$1943/32,7601530.9

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$575,000
Price / Sq Ft$180
Bedrooms6
Bathrooms4.00
Full Baths4
Square Footage3,198
Acres0.18 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address95214 Katherine Street, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionConcourse Crossing
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size7,840.8 sq ft
Parcel Number292N28033000010000
ZoningPUD

Amenities

UtilitiesElectricity Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewProtected Preserve

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo

Exterior

Patio / PorchCovered, Rear Porch
FencingBack Yard
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedNovember 24, 2025
Days on Market116
HOA Fees$885 / Annually
HOA FrequencyAnnually
Tax Amount$7,261
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Sold by: WATSON REALTY CORP (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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 8, 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

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines