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Sold·Closed Mar 30, 2026·62 days on market
96084 Lanceford Lane
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Experience elevated coastal living in the gated Oyster Bay Yacht Club, where bay breezes from across the street meet peaceful lakefront living at home. Situated on an oversized, oak-shaded lot, this upgraded pool home offers a rare blend of privacy, luxury, and lifestyle, with optional yacht club membership available (transfer fee applies). The light-filled interior features soaring ceilings and an open layout centered around a chef's kitchen with a 48'' gas range, premium stainless appliances, and oversized refrigeration—perfect for entertaining. French doors open to an expansive screened lanai with pool, summer kitchen, fire pit, and multiple seating areas overlooking the lake and fully fenced backyard. The primary suite and an additional bedroom or office are conveniently located on the first floor, offering ideal flexibility for guests or work-from-home needs.
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).
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 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,739 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, league fields and grocery store from this home's location.
Closest beach parking
Seaside Parkabout 5 mi · 75 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 5 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 5 mi · Egan's Creek
Closest grocery store
Publixabout 3 mi · 463855 State Road 200, Yulee
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.
Sun & Light
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard and pool on the southeast side. Today at this address: sunrise 7:34 AM, sunset 6:47 PM.
- A pool here gets good sun without the hottest afternoon exposure.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real sun without the western afternoon heat.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $12,148/yr
Estimated taxes if purchased at asking price: ~$13,300/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 $365/sq ft; this home is listed at $251/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96042 Lanceford Lane, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $900,000 | $304 | 4/4 | 2,957 | 85 | 0 |
| 96513 Soap Creek Drive, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2026 | $920,000 | $383 | 3/3 | 2,404 | 4 | 0.4 |
| 96248 Light Wind Drive, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Sep 2026 | $950,000 | $365 | 4/2 | 2,600 | 17 | 0.4 |
| 96478 Soap Creek Drive, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $1,250,000 | $367 | 3/2.5 | 3,405 | 4 | 0.5 |
| 96492 Soap Creek Drive, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Apr 2026 | $1,100,000 | $365 | 3/3 | 3,012 | 128 | 0.5 |
| 96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Sep 2026 | $569,990 | $205 | 6/4 | 2,782 | 383 | 1.1 |
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: MARK SPAIN REAL ESTATE
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 30, 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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