This home is in Fernandina Beach.
Active·172 days on market
96075 High Pointe Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
UPDATES GALORE! New roof in July 2025. Updated Kitchen in 2026 with all new Quartzite countertops, stainless steel appliances, backsplash and hardware throughout. A/C units replaced in 2026, 2025 and 2023. This appealing all-brick residence at 96075 High Pointe in Fernandina Beach, Florida is situated on over an acre within the secure, gated community of High Pointe. This property offers significant space and privacy. It's an excellent opportunity for those seeking a generous lot and a well-regarded neighborhood in the 32034 zip code. The interior features a highly functional and open floor plan. The large kitchen provides ample counter space and extensive storage, making it well-suited for entertaining guests or comfortable daily living. All four bedrooms are conveniently located on the main floor, alongside the dining room, living and family rooms, a breakfast nook, and the laundry room. The forth bedroom offers potential as a large office or craft room, providing
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $823,638 | $389,393 | — |
| 2024 | $798,181 | $377,711 | — |
| 2023 | $690,432 | $365,253 | — |
| 2022 | $536,182 | $353,158 | — |
| 2021 | $468,569 | $341,416 | — |
| 2020 | $426,178 | $336,012 | — |
2025 property taxes (current owner): $6,137/yr
Estimated taxes if purchased at asking price: ~$15,300/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.
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: Shingle — year not disclosed (home built 2007)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,651 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 homeAs 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 28, 2026Listed$925,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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