This home is in Fernandina Beach.

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Active

Active·171 days on market

95110 Barnwell Road

Fernandina Beach, FL 32034

$824,900$279/sqftEst. $4,390/moMLS# 2126849

Beds

Baths

2,959

Sq Ft

2026

Built

Garage

Pool

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

Mortgage calculator

Home Price

$824,900

Down Payment: 20%

$164,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,167

Principal & Interest: $4,167

Est. Taxes & Insurance: $1,042

Estimated Total Monthly

$5,209

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$4,390

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

Estimated total, before insurance$5,529/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

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.

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History