This home is in Fernandina Beach.

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Active

Active·186 days on market

95058 Rocky Place

Fernandina Beach, FL 32034

$549,000$173/sqftEst. $2,791/moMLS# 2125110

Beds

Baths

3,173

Sq Ft

2024

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to your ''almost new'' dream home without the wait! Silver Maple floor plan. 5 bdr/3.5 baths with upper level loft! Owners Ste on main level/chef kitchen package! LVP in main living areas, carpet in bdrs. NO CDD! Nestled in a quiet cul-de-sac, this stunning home perfectly blends modern elegance with cozy charm. As you step inside, you'll be greeted by an inviting open floor plan that showcases the upgraded features throughout.The heart of the home boasts beautiful flooring that also complements the stylish shiplap wall, creating a warm and welcoming atmosphere. The spacious living area is perfect for entertaining, while the gourmet kitchen, equipped with stainless steel appliances, is sure to impress any chef. Retreat to the luxurious master suite, complete with an en-suite bath featuring dual vanities, tub and shower. Epoxy flooring in garage,lanai,porch. Plantation shutters throughout and much more.

Cost to own

Mortgage calculator

Home Price

$549,000

Down Payment: 20%

$109,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,791

Principal & Interest: $2,791

Est. Taxes & Insurance: $698

Estimated Total Monthly

$3,488

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.55% · 30yr$2,791

Property taxesest. at asking price, Nassau County$758

HOAbilled annually$66

Estimated total, before insurance$3,615/mo

• 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

Last sold: $530,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$458,426	$257,229	—
2024	$70,000	$70,000	—
2023	$70,000	$70,000	—

2025 property taxes (current owner): $4,108/yr

Estimated taxes if purchased at asking price: ~$9,100/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 X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,545 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 home

As 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

Jan 14, 2026Listed$549,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$549,000

Price / Sq Ft$173

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,173

Acres0.26 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address95058 Rocky Place, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionConcourse Crossing

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size11,325.6 sq ft

Parcel Number292N28033000990000

Amenities

AmenitiesManagement - Off Site

UtilitiesCable Available

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo