This home is in Fernandina Beach.

1 / 41

Pending

Pending·179 days on market

95284 Orchid Blossom Trail

Fernandina Beach, FL 32034

$410,000$275/sqftEst. $2,084/moMLS# 2126335

Beds

Baths

1,492

Sq Ft

2021

Built

Garage

Pool

About this home

Fernandina Beach

A home made for entertaining, this move-in-ready residence blends thoughtful design with effortless everyday comfort. Open-concept living, custom upgrades, and serene pond views make it a standout in the vibrant Amelia Concourse community, just minutes from Amelia Island. The upgraded gourmet kitchen serves as the heart of the home with quartz countertops, a generous island with custom lighting, a gas range, and a dedicated eat-in nook, flowing seamlessly into a spacious family room for gatherings or quiet evenings. Sunlight pours through large windows and a bright foyer, enhancing the home's airy, welcoming feel, while the covered lanai and extended back patio overlook the serene pond, creating an inviting outdoor retreat. The well-planned floor plan includes two guest bedrooms with a shared bath at the front of the home, including one with a Murphy bed and built-in storage for added flexibility. The primary suite is a private sanctuary with a large walk-in closet, dual sinks

Cost to own

Mortgage calculator

Home Price

$410,000

Down Payment: 20%

$82,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,084

Principal & Interest: $2,084

Est. Taxes & Insurance: $521

Estimated Total Monthly

$2,605

*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$2,084

Property taxesest. at asking price, Nassau County$566

HOAbilled annually$8

Estimated total, before insurance$2,658/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: $375,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$312,337	$0	—
2024	$292,232	$0	—
2023	$273,066	$199,354	—
2022	$242,091	$192,091	—
2021	$40,000	$40,000	—

2025 property taxes (current owner): $2,495/yr

Estimated taxes if purchased at asking price: ~$6,800/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.

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 2021)

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

Solar potential: ~1,723 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

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.

Features

Price$410,000

Price / Sq Ft$275

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,492

Acres0.21 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address95284 Orchid Blossom Trail, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia Concourse

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size9,147.6 sq ft

Parcel Number302N28015200550000

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Playground

UtilitiesCable Available, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit