Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Amelia National, Fernandina Beach — a golf community home on Amelia Island.

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Active

Active·198 days on market·Amelia National

95081 Kestrel Court

Fernandina Beach, FL 32034

$725,000$366/sqftEst. $3,727/moMLS# 2129497

Beds

Baths

1,982

Sq Ft

2016

Built

Garage

Pool

About this home

Amelia National

Have you ever wanted to live in a country club community? This is your chance!!! From the moment you enter, the home reveals light filled interiors. With a graceful open flow designed for both sophisticated entertaining and effortless everyday living. Expansive living spaces create an inviting yet luxurious atmosphere. while thoughtfully designed rooms provide a sense of privacy and tranquility throughout. The home's layout seamlessly connects indoor and outdoor living, enhancing the relaxed coastal lifestyle.

Cost to own

Mortgage calculator

Home Price

$725,000

Down Payment: 20%

$145,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,727

Principal & Interest: $3,727

Property taxes (est.): $1,001

Insurance (est.): $483

Estimated Total Monthly

$5,211

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$3,727

Property taxesest. at asking price, Nassau County$1,001

HOAbilled annually$81

Estimated total, before insurance$4,809/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,778/yr · $648/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$761,198	$403,371	—
2024	$702,073	$391,295	—
2023	$487,464	$378,442	—
2022	$415,963	$365,963	—
2021	$319,167	$319,167	—
2020	$299,838	$299,838	—

2025 property taxes (current owner): $7,778/yr

Estimated taxes if purchased at asking price: ~$12,000/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,744 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

As 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

Feb 13, 2026Listed$725,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$725,000

Price / Sq Ft$366

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,982

Total Structure Area2,800 sq ft

Acres0.73 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Spanish

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address95081 Kestrel Court, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia National

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size31,798.8 sq ft

Parcel Number262N28006A02680000

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Playground, Security, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, ENERGY STAR Qualified Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryIn Unit

SecurityCarbon Monoxide Detector(s), Security System Owned