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Sold·Closed Mar 13, 2026·144 days on market
96033 Cottage Court 1207
Fernandina Beach, FL 32034
About this home
Fernandina Beach
This 3-bedroom, 2.5-bath home newly painted, offers a spacious open kitchen with a double-door refrigerator and new microwave. While the home needs some TLC, the seller is willing to assist—check the special remarks! The living areas and half bath are downstairs, while all bedrooms, two full baths, and the washer/dryer area are upstairs. Enjoy the convenience of a private garage with extra space for bikes, beach gear, and more. Located in a gated community, you'll have access to exclusive amenities, including a swimming pool. Just a short drive from local favorites like Fort Clinch State Park with its scenic trails, Fernandina Beach Harbor Marina, the lively Historic District, and golf courses such as The Golf Club at North Hampton or Amelia National. Grocery stores, shopping, dining, doctors, and more are all close by. Don't miss the chance to call this welcoming community your new home, where nature's charm meets everyday convenience!
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 2008)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,773 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
Beach access 40, S Fletcher Ave. & Pascoabout 5 mi · 10 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 7 mi · 3.6 mi of trails
Closest public boat ramp
Melton Nelson Park and Boat Rampabout 2 mi · Lofton Creek
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 7 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 0.1 mi · 464016 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,534/yr
Estimated taxes if purchased at asking price: ~$3,700/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 $184/sq ft; this home is listed at $159/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96222 Stoney Drive 2805, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Nov 2025 | $302,000 | $180 | 3/2 | 1,680 | 79 | 0.1 |
| 96028 Cottage Court 1401, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERS | Aug 2026 | $280,000 | $172 | 3/2.5 | 1,631 | 18 | 0.3 |
| 96010 Stoney Drive 2405, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | Aug 2026 | $300,000 | $179 | 3/2 | 1,680 | 91 | 0.3 |
| 96033 Stoney Drive 2206, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2026 | $290,000 | $216 | 2/2 | 1,341 | 70 | 0.3 |
| 96066 Stoney Creek Parkway, Fernandina Beach, FL 32034Listed by EXP REALTY LLC | Apr 2026 | $285,000 | $203 | 2/2 | 1,407 | 48 | 0.3 |
| 96035 Cottage Court 1208, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Mar 2026 | $299,500 | $184 | 3/2.5 | 1,631 | 23 | 0.3 |
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: PALM III REALTY AND PROPERTY M
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 13, 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.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines