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Sold·Closed Apr 27, 2026·111 days on market
95608 Clearwater Road
Fernandina Beach, FL 32034
About this home
Fernandina Beach
HUGE PRICE IMPROVEMENT -- *MOVE IN READY* This nearly new, fully insurable manufactured home is nestled on over 1 acre of wide open space on a high and dry lot. No HOA or CDD fees!!!! Zoned OR, you will have the freedom to bring your chickens, goats, ATVs, company vehicles and plenty of space for just about anything else your heart desires! With a split bedroom design, open floor plan, it's just what you are looking for. Fresh paint and carpet throughout, spacious closets, large pantry, and oversized primary shower, plus a garden tub are just a few of the unique features this home has to offer. If you're also wanting a workshop, potential for an ADU, or a space for storage, you'll love the 20x30 outbuilding! Just minutes from a fantastic community park that includes a boat ramp, covered picnic area, nature walking trails, and gorgeous views! This home is ready for new owners! Take a tour, you will not be disappointed!
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.
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: Shingle — year not disclosed (home built 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,606 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 parking
Burney Parkabout 5 mi · 220 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 6 mi · 11.2 mi of trails
Closest public boat ramp
Holly Point Boat Rampabout 2 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 5 mi · Edwards Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 7 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.
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 $182/sq ft; this home is listed at $217/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95605 Springhill Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jun 2026 | $359,900 | $182 | 4/2 | 1,976 | 136 | 0.1 |
| 95081 Wildwood Circle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER ANABASIS REALTY | Sep 2026 | $305,000 | $215 | 3/2 | 1,418 | 84 | 0.7 |
| 95114 Gentry Lane, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2026 | $216,500 | $133 | 3/2 | 1,624 | 23 | 0.7 |
| 95422 Plum Loop, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $290,000 | $157 | 3/2 | 1,848 | 63 | 0.8 |
| 95478 Plum Loop, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | Jul 2026 | $240,000 | $214 | 2/1 | 1,120 | 72 | 0.8 |
| 85336 Crews Road N, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | May 2026 | $115,000 | $86 | 3/2 | 1,344 | 6 | 0.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PALM III REALTY AND PROPERTY M
Sold by: IRON VALLEY REAL ESTATE NORTH FLORIDA (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 Apr 27, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines