This home is in Fernandina Beach.

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Active

Active·149 days on market

0 Mango Lane

Fernandina Beach, FL 32034

$1,201,900$345/sqftEst. $6,397/moMLS# 2130573

Beds

Baths

3,488

Sq Ft

2026

Built

Garage

Pool

About this home

Fernandina Beach

Proposed construction by ICI Homes, The Monica floor plan.This spacious one-story design offers approximately 3,488 square feet of living space with 4 bedrooms, 4.5 bathrooms, and a 4-car garage. The open layout features a large living area that flows into the kitchen and dining space, ideal for everyday living and entertaining. The kitchen includes a walk-in pantry and generous counter space, with options to personalize finishes and layout.Buyers can customize this home with options such as a game room, guest cabana suite, expanded lanai, outdoor kitchen, fireplace, and other design upgrades. Build this home on your selected lot and personalize it to fit your lifestyle. This homes is to be built. Photos shown are stock images and may include options or upgrades not included in the base price.

Cost to own

Mortgage calculator

Home Price

$1,201,900

Down Payment: 20%

$240,380

Interest Rate: 6.55%

Loan Term

Monthly Payment

$6,109

Principal & Interest: $6,109

Est. Taxes & Insurance: $1,527

Estimated Total Monthly

$7,636

*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 · 7.0% · 30yr$6,397

Property taxesest. at asking price, Nassau County$1,659

Estimated total, before insurance$8,056/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	$440,100	$262,513	—
2024	$293,400	$238,648	—
2023	$293,400	$216,953	—
2022	$249,390	$197,230	—
2021	$190,710	$179,300	—
2020	$163,000	$163,000	—

2025 property taxes (current owner): $5,129/yr

Estimated taxes if purchased at asking price: ~$19,900/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.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone D

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

Roof: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,760 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History