This home is in Fernandina Beach.

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Pending

Pending·167 days on market

95338 Cornflower Drive

Fernandina Beach, FL 32034

$419,000$221/sqftEst. $2,130/moMLS# 2128299

Beds

Baths

1,896

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

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

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,130

Principal & Interest: $2,130

Est. Taxes & Insurance: $532

Estimated Total Monthly

$2,662

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,130

Property taxesest. at asking price, Nassau County$578

HOAbilled annually$8

Estimated total, before insurance$2,717/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

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

Year	Market value	Taxable value	Change
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: ~$6,900/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.

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.

Features

Price$419,000

Price / Sq Ft$221

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,896

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# 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

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)