This home is in Fernandina Beach — a gated community home on Amelia Island.
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Sold·Closed Feb 12, 2026·10 days on market·Recent sales in Amelia Island
4 Moss Oaks Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Tucked away on a quiet, tree-lined cul-de-sac in the Amelia Island Plantation, this beautifully maintained one-story home offers privacy, comfort, and charm. This open floor plan, 3BR/2BA home sits on an oversized, private lot with newly-updated landscaping. Recent improvements include: new 9'' LVP flooring throughout (2024), new roof with transferable warranty (2023), new hot water heater (2025), new fireplace surround (2024), fresh interior/exterior paint, a new screened patio enclosure (2023) and more! The sun-filled eat-in kitchen features granite counters, stainless appliances, and an island with plenty of prep space. The spacious living room offers a wood-burning fireplace and French doors lead from the living/dining area to a welcoming screened porch, patio, and lushly landscaped back yard. Plantation shutters throughout add to the charm of the home. The primary suite offers room for a seating area and boasts an extra-large walk-in closet.
Next steps in Amelia Island
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 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,518 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 0.6 mi · 220 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 4 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 4 mi · Nassau Sound / 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 9 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 $425/sq ft; this home is listed at $624/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1395 Mission San Carlos Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2025 | $950,000 | $427 | 4/3 | 2,227 | 24 | 0.1 |
| 1351 Mission San Carlos Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Apr 2026 | $650,000 | $324 | 3/2 | 2,009 | 26 | 0.2 |
| 5383 Florence Point Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Oct 2026 | $1,098,000 | $598 | 3/2 | 1,835 | 2 | 0.5 |
| 58 Laurel Oak Road Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Dec 2025 | $1,210,000 | $425 | 3/3.5 | 2,848 | 26 | 0.5 |
| 96014 Enclave Manor, Fernandina Beach, FL 32034Listed by LPT REALTY LLC | Jun 2026 | $760,000 | $360 | 3/3 | 2,113 | 204 | 0.9 |
| 96067 Enclave Manor, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | May 2025 | $985,000 | $380 | 3/3.5 | 2,589 | 15 | 0.9 |
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: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Sold by: SUMMER HOUSE REALTY (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 Feb 12, 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?
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