This home is in Fernandina Beach.

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Pending

Pending·133 days on market

94987 Windflower Trail

Fernandina Beach, FL 32034

$570,000$239/sqftEst. $2,897/moMLS# 2128813

Beds

Baths

2,383

Sq Ft

2020

Built

Garage

Yes

Pool

About this home

Fernandina Beach

This lovely, 4 bedroom 3 bath pool home, located in the highly desirable Amelia Concourse community, sits on a nature area. When you are enjoying your enclosed pool you will have a pleasing view of the preserve that is bug free! At almost 2,400 square feet the open floor plan provides convenience and flexibility with the primary and two secondary bedrooms on the first floor. The primary bedroom looks onto the pool area. There are 2 full bathrooms on the first floor and one full bathroom upstairs. The main room and bathrooms are tiled. Upstairs there is a bonus room with an ensuite bath room and large linen closet. This room can also serve as the second largest bedroom in the home. A door at the top of the stairs ensures privacy. The Chef's kitchen has an oversized quartz island and counters. A large pantry, pot drawers and extra cabinets provide plenty of storage. Kitchen appliances include dual electric ovens, (with wi-fi), (newly upgraded/wi-fi) ultra quiet Bosch dishwasher

Cost to own

Mortgage calculator

Home Price

$570,000

Down Payment: 20%

$114,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,897

Principal & Interest: $2,897

Est. Taxes & Insurance: $724

Estimated Total Monthly

$3,622

*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$2,897

Property taxesest. at asking price, Nassau County$787

HOAbilled annually$8

Estimated total, before insurance$3,692/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	$459,861	$282,951	—
2024	$436,898	$274,269	—
2023	$425,109	$264,824	—
2022	$367,492	$255,654	—
2021	$258,145	$208,145	—

2025 property taxes (current owner): $6,611/yr

Estimated taxes if purchased at asking price: ~$9,400/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 2020)

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

Solar potential: ~1,758 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$570,000

Price / Sq Ft$239

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,383

Acres0.21 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated, Screen Enclosure

Is WaterfrontNo

Community Information

Address94987 Windflower Trail, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia Concourse

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size9,147.6 sq ft

Parcel Number302N28015201440000

ZoningSingle Family

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Management - Off Site, Playground

UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPool, Protected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, Gas Cooktop, Gas Range, Gas Water Heater, Ice Maker, Microwave, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Fire Alarm, Smoke Detector(s)