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

This home is in Amelia Concourse, Fernandina Beach.

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Sold

Sold·Closed Aug 4, 2026·130 days on market·Recent sales in Amelia Concourse·Amelia Concourse

95338 Cornflower Drive

Fernandina Beach, FL 32034

$411,000sold priceListed at $419,000 · 98.1% of asking$217/sqftMLS# 2128299
3
Beds
2
Baths
1,896
Sq Ft
2022
Built
2
Garage
No
Pool

10 more homes for sale in Amelia Concourse →Search Amelia Concourse on the map

HOA $8/moSingle Family Residence1 story

About this home

Amelia Concourse

Built in 2022 and beautifully upgraded, 95338 Cornflower Dr. offers move-in-ready comfort, stylish finishes, inviting outdoor living, and exceptional value in Amelia Concourse. The open layout features LVP flooring and a beautiful kitchen with quartz countertops, a marble backsplash, 42-inch cabinetry, a gas cooktop, vent hood, double ovens, Whirlpool stainless steel appliances, and a walk-in pantry. Triple sliding glass doors open to a covered lanai with an epoxy-coated floor and a fully fenced backyard, creating a warm and inviting setting for entertaining, relaxing, and enjoying cozy evenings around the fire pit under the stars. The spacious primary suite includes a custom walk-in closet, dual vanities, and a walk-in shower. Community amenities include a pool, kiddie pool, and playground. Paid-off CDD bond adds valuable savings. Tankless water heater, full gutters, and garden shed included. Just minutes from Amelia Island's beaches, dining, and shopping, truly a turnkey opportunity

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$2,277
Property taxesest. at asking price, Nassau County$567
HOAbilled annually$8
Estimated total, before insurance$2,852/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

$411,000
$82,200
Loan Term
Monthly Payment
$2,277
Principal & Interest: $2,277
Property taxes (est.): $567
Insurance (est.): $274
Estimated Total Monthly
$3,118
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 2022)

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

Solar potential: ~1,716 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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

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.

Cost to own

Taxes & assessment

Last sold: $419,000 in February 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$335,733$0—
2024$314,598$208,304—
2023$302,802$200,781—
2022$65,000$65,000—
2021$40,000$40,000—

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.

History

Price & status history

  • Aug 5, 2026Closed$419,000

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 $238/sq ft; this home is listed at $221/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
94974 Windflower Trail, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$530,000$2234/32,37650.4
85069 Champlain Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESAug 2026$432,000$2143/22,022250.6
83122 Village Walk, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$390,000$2134/21,830550.7
83519 Watkins Walk, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAJul 2026$392,000$2403/21,630200.7
85219 Champlain Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$475,000$2423/2.51,9641370.8
95043 Poplar Way, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$569,900$2384/32,396980.9

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$419,000
Price / Sq Ft$221
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,896
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouthwest

Community Information

Address95338 Cornflower Drive, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionAmelia Concourse
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Parcel Number302N28015201360000
ZoningResidential

Amenities

AmenitiesPool, Children's Pool
Community FeaturesSidewalks
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesOther, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Range, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit
Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch
FencingBack Yard, Vinyl
RoofShingle
ConstructionFiber Cement

Additional Information

Date ListedFebruary 3, 2026
Days on Market130
HOA Fees$100 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Grounds
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES

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 Amelia Concourse

Amelia Concourse is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Amelia Concourse homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 4, 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.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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