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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Jun 30, 2026·95 days on market

96277 Broadmoor Road

Fernandina Beach, FL 32034

$439,000sold priceListed at $445,990 · 98.4% of asking$182/sqftMLS# 2125233
4
Beds
3
Baths
2,407
Sq Ft
2025
Built
2
Garage
No
Pool
HOA $81/mo4,792 sqft lotSingle Family Residence2 stories

About this home

Fernandina Beach

Better than new and still protected by the builder's warranty--move in with confidence and enjoy Century Builder's 4 bed, 3 bath, 2407sq ft Santa Rosa II floorplan! This open-concept beauty features a SPACIOUS great room flowing into a CHEF-inspired kitchen with a large center ISLAND, walk-in pantry, STAINLESS STEEL appliances (including a GARDEN sink), QUARTZ countertops, and ceramic TILE backsplash. LUXURY vinyl plank flooring adds style and durability throughout the main living areas. The main-level GUEST SUITE or OFFICE with full bath offers ideal flexibility, while upstairs you'll find generously sized bedrooms with WALK-IN CLOSETS, a versatile LOFT, and a serene owner's SUITE complete with a WALK-IN SHOWER and expansive closet. Modern finishes, thoughtful design, and move-in-ready appeal--this home truly has it all. PLUS, a large fully FENCED backyard with room for a POOL! Near JAX International Airport, Kings Bay NAVAL Base, FERNANDINA schools, just minutes from Amelia Island!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,432
Property taxesest. at asking price, Nassau County$606
HOAbilled annually$81
Estimated total, before insurance$3,119/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,305/yr · $109/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, 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

$439,000
$87,800
Loan Term
Monthly Payment
$2,432
Principal & Interest: $2,432
Property taxes (est.): $606
Insurance (est.): $293
Estimated Total Monthly
$3,330
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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.

Solar potential: ~855 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$85,000$85,000—
2024$13,846$13,846—

2025 property taxes (current owner): $1,305/yr

Estimated taxes if purchased at asking price: ~$7,300/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.

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 $211/sq ft; this home is listed at $185/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
95958 Surrey Place, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$440,000$1934/2.52,28590.1
95238 Katherine Street, Fernandina Beach, FL 32034Listed by 1 PERCENT LISTS FIRST COASTAug 2026$404,000$1684/32,407720.4
95161 Lock Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORPAug 2026$408,000$2153/21,895890.4
95985 College Parkway, Fernandina Beach, FL 32034Listed by AXEN REALTY LLCSep 2026$469,000$1805/32,600440.6
97280 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2026$405,000$2273/21,787890.6
95993 College Parkway, Fernandina Beach, FL 32034Listed by AXEN REALTY LLCAug 2026$437,038$2113/22,0701030.6

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

Price$445,990
Price / Sq Ft$185
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,407
Acres0.11 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address96277 Broadmoor Road, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionConcourse Crossing
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size4,791.6 sq ft
Parcel Number292N28033100220000
ZoningResidential

Amenities

Community FeaturesSidewalks, Curbs
UtilitiesCable Connected, Electricity Connected, Sewer Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionMany Trees
Patio / PorchFront Porch, Porch, Rear Porch
FencingFenced, Back Yard, Vinyl
RoofShingle
ConstructionFiber Cement
Road SurfacePaved

Additional Information

Date ListedApril 7, 2026
Days on Market95
HOA Fees$970 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Grounds
Tax Amount$1,304.9
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 30, 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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