This home is in Fernandina Beach.
Active·31 days on market
95019 Boyett Lane
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Set along a peaceful branch of the Intracoastal Waterway, this waterfront home blends relaxed family living with coastal beauty. Water views from every room fill the home with natural light and a constant connection to the river, where dolphins often gather and play near the dock just beyond the backyard. Inside, natural wood floors and an open kitchen flow seamlessly into the main living area, creating a warm, inviting space for everyday living and entertaining. The ground level offers a flexible outdoor layout ideal for family life, guests, or quiet evenings at home. With two bedrooms, two bathrooms, and an additional loft, the home provides versatility for a home office, guest space, or kids' retreat. A recently built private dock with new boat lift offers deep-water access and quick ICW connection for boating, fishing, or sunset cruises. The fully fenced yard allows room to play or add a pool, while a large garage and powered she shed offer excellent storage and creative space.
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 | $1,019,382 | $461,031 | — |
| 2024 | $903,950 | $433,488 | — |
| 2023 | $555,488 | $409,891 | — |
| 2022 | $401,670 | $351,509 | — |
| 2021 | $376,518 | $376,518 | — |
| 2020 | $349,699 | $307,669 | — |
2025 property taxes (current owner): $7,237/yr
Estimated taxes if purchased at asking price: ~$21,500/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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: Metal — year not disclosed (home built 1941)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,578 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
- Jun 18, 2026Listed$1,299,000
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: SALT HARBOR REAL ESTATE COMPANY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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