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Active

Active·186 days on market

95113 Bermuda Drive

Fernandina Beach, FL 32034

$199,000Est. $1,022/moMLS# 2130293

Beds

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Garage

Pool

About this home

Fernandina Beach

This stunning lot offers the perfect setting for your dream home, nestled within the sought-after Amelia National Golf Club community. Located on a serene pond and overlooking the picturesque golf course, this cleared and ready-to-build lot provides breathtaking views and an unparalleled lifestyle. Situated near the club house and tennis courts, you'll enjoy the charm of mature trees and the tranquility of a well-established neighborhood, free from ongoing construction. Located just minutes from the beaches of Amelia Island and a short drive to Jacksonville International Airport, Amelia National offers exceptional amenities, including a Tom Fazio-designed golf course, Har-Tru clay courts, a swimming pool, a restaurant, a fitness center, and pro shops. Live where every day feels like a retreat!

Cost to own

Mortgage calculator

Home Price

$199,000

Down Payment: 20%

$39,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,022

Principal & Interest: $1,022

Property taxes (est.): $275

Insurance (est.): $133

Estimated Total Monthly

$1,429

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,022

Property taxesest. at asking price, Nassau County$275

HOAbilled annually$65

Estimated total, before insurance$1,361/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,670/yr · $306/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	$135,000	$135,000	—
2024	$165,000	$126,500	—
2023	$115,000	$115,000	—
2022	$110,000	$110,000	—
2021	$88,000	$78,650	—
2020	$71,500	$71,500	—

2024 property taxes (current owner): $3,670/yr

Estimated taxes if purchased at asking price: ~$3,300/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: material not specified

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

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,725 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