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Active

Active·270 days on market

95110 Barnwell Road

Fernandina Beach, FL 32034

$824,900$279/sqftEst. $4,533/mo mortgageMLS# 2126849

Beds

4.5

Baths

2,959

Sq Ft

2026

Built

Garage

Pool

FEMA Zone XNo HOA0.88 acresSingle Family Residence2 storiesNew construction

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About this home

Fernandina Beach

Set on nearly a full acre of beautifully usable land, this exceptional new construction home offers a rare blend of space, privacy, and elevated living. Nearly 3,000 square feet of thoughtfully designed interiors showcase upgraded finishes throughout, generous proportions, and an effortless flow for both everyday living and entertaining. An oversized three-car garage with abundant storage complements a separate, air-conditioned workroom or private gym—perfect for a home office, wellness retreat, or creative studio. The expansive grounds invite resort-style outdoor living with room for a pool, gardens, or future additions. A complete landscaping package and home warranty are included, ensuring a seamless, move-in-ready experience. This is refined modern living with the freedom, comfort, and space to truly live well.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$4,533

Property taxesest. at asking price, Nassau County$1,139

Estimated total, before insurance$5,672/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,919/yr · $160/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

Home Price

$824,900

Down Payment: 20%

$164,980

Interest Rate: 7.32%

Loan Term

Monthly Payment

$4,533

Principal & Interest: $4,533

Property taxes (est.): $1,139

Insurance (est.): $550

Estimated Total Monthly

$6,222

*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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

Hurricane evacuation zone D

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

Roof: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,431 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

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.

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 35, S Fletcher Ave. & Manatee Ave.
about 5 mi · 12 parking spaces
Closest park or preserve
Egans Creek Greenway
about 6 mi · 3.6 mi of trails
Closest public boat ramp
Melton Nelson Park and Boat Ramp
about 3 mi · Lofton Creek
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dock
about 6 mi · Egan's Creek
Closest grocery store
Walmart Supercenter
about 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

Year	Market value	Taxable value	Change
2025	$125,000	$125,000	—
2024	$125,000	$125,000	—
2023	$125,000	$125,000	—
2022	$125,000	$125,000	—

2025 property taxes (current owner): $1,919/yr

Estimated taxes if purchased at asking price: ~$13,700/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 (2025), NEFMLS.

History

Price & status history

Jan 25, 2026Listed$824,900

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

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 $249/sq ft; this home is listed at $279/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
92648 Shipton Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY	Sep 2026	$665,000	$209	5/4	3,178	94	0.4
96452 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY	Sep 2026	$675,000	$298	4/2	2,265	6	0.5
96367 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by GAILEY ENTERPRISES LLC	Sep 2026	$780,000	$249	4/3	3,131	16	0.5
96816 Arrigo Boulevard, Fernandina Beach, FL 31522Listed by MARSH LIFE REALTY, LLC	Aug 2026	$400,000	$192	3/2	2,088	2	1.1
96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS	Sep 2026	$569,990	$205	6/4	2,782	383	1.2
96102 Piney Island Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA	Aug 2026	$615,000	$296	4/2	2,075	122	1.2

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$824,900

Price / Sq Ft$279

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage2,959

Acres0.88 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

This listingNo schools reported in the MLS

ElementaryEmma Love Hardee, reported on 2 other Fernandina Beach listings

MiddleFernandina Beach, reported on 2 other Fernandina Beach listings

HighFernandina Beach, reported on 2 other Fernandina Beach listings

County schoolsNassau County Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address95110 Barnwell Road, Fernandina Beach, FL 32034

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionFernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size38,332.8 sq ft

Parcel Number392N28014500020000

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Plumbed For Ice Maker

HeatingCentral

CoolingCentral Air

# of Stories2

Additional Information

Date ListedJanuary 25, 2026

Days on Market125

Tax Amount$1,918.97

Tax Year2025

Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: SOUTHEAST ATLANTIC REALTY

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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20+ years · 500+ closings · NE Florida

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