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

This home is in Southern Creek Townhomes, Fernandina Beach — a gated community home on Amelia Island.

No photos available

This listing has no photos yet

Sold

Sold·Closed Mar 16, 2026·6 days on market·Recent sales in Southern Creek Townhomes·Southern Creek Townhomes

85158 Southern Crk Boulevard

Fernandina Beach, FL 32034

$685,000sold priceListed at $709,900 · 96.5% of asking$259/sqftMLS# 2127986
5
Beds
4
Baths
2,649
Sq Ft
2024
Built
2
Garage
Yes
Pool

4 more homes for sale in Southern Creek Townhomes →Search Southern Creek Townhomes on the map

HOA $100/mo0.51 acresSingle Family Residence2 stories

About this home

Southern Creek Townhomes

Discover this hidden oasis on a half-acre lot backing to a serene preserve. This modern retreat features a chef's kitchen with quartz countertops, soft-close cabinets, double oven, and induction cooktop, flowing into light-filled living areas. The open floor plan includes a main-level primary suite with a spa bath, walk-in closet, and private slider, plus a guest bedroom with adjacent bath. Upstairs offers three additional bedrooms, including a second primary suite, perfect for multi-generational living. The backyard is an entertainer's paradise with a heated/cooled saltwater pool, hot tub, poolside bar, and paver patio enclosed in a no-see-um-proof screen. Fully fenced with space for a boat, the pool is app-controlled with color-changing lights. Features include an Aerobic Septic, Hydrogen Peroxide water softener, zoned AC, and designer finishes. Located in a gated neighborhood near boat ramps, beaches, and Jax Airport, this turnkey, high-efficiency sanctuary is ready to enjoy.

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$3,794
Property taxesest. at asking price, Nassau County$946
HOAbilled annually$100
Estimated total, before insurance$4,840/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$685,000
$137,000
Loan Term
Monthly Payment
$3,794
Principal & Interest: $3,794
Property taxes (est.): $946
Insurance (est.): $457
Estimated Total Monthly
$5,197
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 2024)

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

Solar potential: ~1,707 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:30 AM, sunset 6:53 PM.

  • A pool back here is the warmest in town and glitters in the evening.
  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

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 $217/sq ft; this home is listed at $268/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
85110 Southern Creek Boulevard, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERSAug 2026$549,000$2024/3.52,715590.1
940197 Old Nassauville Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERSSep 2026$868,000$3694/2.52,350631.1
84609 Balsam Court, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$495,000$2174/32,282851.1
85645 Stonehurst Parkway, Fernandina Beach, FL 32034Listed by INTEGRITY ONE PROPERTIES LLCOct 2026$453,483$1994/32,282481.2
85621 Stonehurst Parkway, Fernandina Beach, FL 32034Listed by LATITUDE 30 REALTY LLCSep 2026$455,000$1994/32,282811.2
84577 Greylock Court, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAMay 2026$735,000$2674/32,7511271.2

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$709,900
Price / Sq Ft$268
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage2,649
Acres0.51 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Electric Heat, Heated, Salt Water, Screen Enclosure
Is WaterfrontNo
Direction FacesEast

Community Information

Address85158 Southern Crk Boulevard, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionSouthern Creek
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size22,215.6 sq ft
Parcel Number25-2N-27-1980-0009-0000
ZoningResidential

Amenities

AmenitiesGated
Community FeaturesSuburban, Street Lights, Gated
UtilitiesCable Connected, Electricity Connected, Sewer Connected
SewerAerobic Septic
Water SourcePrivate
ParkingGarage, Garage Door Opener, Other
ViewPond, Protected Preserve

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Guest Suite, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDouble Oven, Electric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Induction Cooktop, Refrigerator, Water Softener Owned
HeatingCentral, Electric, Zoned
CoolingCentral Air, Electric, Zoned
FlooringTile, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Garage, In Unit, Lower Level, Washer Hookup
SecuritySecurity Gate, Smoke Detector(s)
Spa FeaturesIn Ground, Heated, Private

Exterior

Lot DescriptionCleared, Many Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch, Screened
FencingBack Yard, Vinyl, Wrought Iron
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCounty Road, Private Road

Additional Information

Date ListedFebruary 1, 2026
Days on Market6
HOA Fees$1,200 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS SOUTHEASTERN PARTNERS

Sold by: ONE SOTHEBY'S INTERNATIONAL REALTY (buyer's brokerage)

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.

The neighborhood

About Southern Creek Townhomes

Southern Creek Townhomes is a neighborhood in St. Johns County, FL (Nassau County), ZIP 32034.

View all Southern Creek Townhomes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Mar 16, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines