This home is in Fernandina Beach.
Active·228 days on market
95101 Dwight Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
*OVER $40,000 PRICE IMPROVEMENT* ONE OF A KIND! This beautifully constructed LOG CABIN style home is what you have been waiting for! Built less than 5 years ago, the unique features and extra work completed will leave you speechless! Open floor concept that offers a cozy feel yet provides the space desired for entertaining. This solid log home sits on above standard concrete plan above height stem wall with 6'' center on 3 block filled reinforced block pillars with foam insulation top and bottom. The mini split unit provides an energy efficient alternative to heat and cool while the gas fireplace will set the ambience plus provide additional heating. No cost was spared with the hand crafted pine walls & trim along with other enhancements throughout. The kitchen boasts SOLID maple cabinets with absolute granite tops with the hall bath mimicking while the primary suite is spacious with an oversized bathroom, quartz tops on the double vanity
Cost to own
Mortgage calculator
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, 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 | $359,842 | $275,750 | — |
| 2024 | $304,828 | $250,682 | — |
| 2023 | $295,755 | $227,893 | — |
| 2022 | $213,941 | $201,066 | — |
| 2021 | $47,500 | $41,250 | — |
| 2020 | $37,500 | $37,500 | — |
2024 property taxes (current owner): $4,260/yr
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 X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
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 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,660 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 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.
History
Price & status history
- Dec 2, 2025Listed$474,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PALM III REALTY AND PROPERTY M
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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