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Sold·Closed Mar 16, 2026·44 days on market
95958 Surrey Place
Fernandina Beach, FL 32034
About this home
Fernandina Beach
SO MANY LUXURY BIG TICKET ITEMS DONE by seller!!!! WOOD shutters on EVERY WINDOW - EV Charger & ADDED insulation + SAFERACKS STORAGE - screened porch, vinyl fencing with two gates, ceiling fan, designer lighting & cabinet hardware-1st floor repainted with BM Chantilly Lace - Toto Bidet in primary bath - pine trees that were too close to home TAKEN DOWN. PRESERVE LOT ON CUL-DE-SAC w/PROTECTED LAKE VIEW-stunning 1 YEAR old home in #1 SCHOOL DISTRICT in FLORIDA - most desired/expensive elevation offered by builder w/metal roof entrance-Hardi-shakes-corbels - upgraded landscaping - GOURMET KITCHEN w/QUARTZ-36'' cooktop-VENTED HOOD-3 bedrooms/2 baths on main (including primary)+FLEX ROOM/OFFICE ON MAIN+LOFT & HALF BATH UPSTAIRS-WOOD TREAD STAIRS-TRAY CEILING IN PRIMARY-NO CDD & BEAUTIFULLY CURATED! Fernandina Beach address, LOW COUNTY TAXES - NO CITY TAXES, FERNANDINA BEACH SCHOOLS & low annual homeowner insurance in SOLD OUT NEIGHBORHOOD-minutes to BEACH, D'TOWN FERNANDINA & AIRPORT!!!
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).
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 2025)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,305/yr
Estimated taxes if purchased at asking price: ~$7,000/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.
History
Price & status history
- Jan 2, 2026Listed$429,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $215/sq ft; this home is listed at $188/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95958 Surrey Place, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $440,000 | $193 | 4/2.5 | 2,285 | 9 | 0 |
| 95238 Katherine Street, Fernandina Beach, FL 32034Listed by 1 PERCENT LISTS FIRST COAST | Aug 2026 | $404,000 | $168 | 4/3 | 2,407 | 72 | 0.3 |
| 95161 Lock Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Aug 2026 | $408,000 | $215 | 3/2 | 1,895 | 89 | 0.3 |
| 97280 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $405,000 | $227 | 3/2 | 1,787 | 89 | 0.5 |
| 97166 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $395,000 | $231 | 3/2 | 1,707 | 14 | 0.6 |
| 95985 College Parkway, Fernandina Beach, FL 32034Listed by AXEN REALTY LLC | Sep 2026 | $469,000 | $180 | 5/3 | 2,600 | 44 | 0.7 |
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: HERRON REAL ESTATE LLC
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 16, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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