This home is in Summer Beach, Fernandina Beach — a golf community home on Amelia Island.
No photos available
This listing has no photos yet
No photos available
This listing has no photos yet
Sold·Closed Feb 26, 2026·0 days on market·Recent sales in Summer Beach·Summer Beach
95118 Captains Way
Fernandina Beach, FL 32034
4 more homes for sale in Summer Beach →Search Summer Beach on the map
About this home
Summer Beach
Live the true Florida lifestyle in this spacious 4-bedroom (plus office) 4-bathroom pool home located in the desirable Golfside at Summer Beach community. Just moments from the beach and surrounded by championship golf, this property offers generous living areas and thoughtful features suited for both everyday living and entertaining. Enjoy a welcoming sitting room and living room, a huge primary suite, three bedrooms on the main level plus a dedicated office, and an upstairs en-suite that provides privacy for guests. The updated kitchen features bright, open styling with quartz countertops, plentiful storage, and gas appliances. Open the door to a beautiful outdoor retreat: a screened-in, heated saltwater pool overlooking the golf course and pond, an inviting setting for outdoor gatherings throughout the year. Practical highlights include a pool bath, Fenetex screens, a well-appointed laundry, under-stair storage, newer water heater, and hurricane protection with remote shutters.
Next steps in Summer Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1997)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,741 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 homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach access
Peters Point Beachfront Parkabout 0.4 mi · 180 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 4 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 5 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 4 mi · Egan's Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 12 mi · Baseball, Football, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $413/sq ft; this home is listed at $532/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95075 Spinnaker Drive, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | Sep 2025 | $1,830,000 | $483 | 5/4 | 3,785 | 60 | 0.1 |
| 95366 Spinnaker Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Mar 2026 | $1,380,000 | $413 | 4/4.5 | 3,343 | 120 | 0.2 |
| 95384 Captains Way, Fernandina Beach, FL 32034Listed by CENTURY 21 MILLER ELITE LLC | Aug 2026 | $1,200,000 | $386 | 3/3.5 | 3,110 | 66 | 0.3 |
| 4438 S Fletcher Avenue, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2025 | $2,325,000 | $660 | 4/3.5 | 3,522 | 45 | 0.3 |
| 4433 Bean Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Sep 2026 | $799,900 | $347 | 3/2.5 | 2,304 | 16 | 0.4 |
| 95085 Willet Way, Fernandina Beach, FL 32034Listed by PONTE VEDRA & COMPANY REAL ESTATE LLC | Jul 2025 | $1,026,000 | $338 | 4/4.5 | 3,039 | 165 | 0.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SUMMER HOUSE REALTY
Sold by: SUMMER HOUSE REALTY (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Summer Beach
Summer Beach is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
View all Summer Beach homes for sale →Keep looking
More homes in Summer Beach
For Sale96121 Hanging Moss DriveFernandina Beach, FL 32034
3 bd · 2.5 ba · 2,000 sq ft
$799,000Est. $4,253/moBeautifully upgraded and Furnished 2020 townhome in The Enclave on Amelia Island's south end. 3BR/2.5BA Abigail floor…
Listing Office: berkshire hathaway home services heymann williams
For Sale96122 Roddenberry WayFernandina Beach, FL 32034
4 bd · 3.5 ba · 2,282 sq ft
$779,000Est. $4,146/moDiscover the peak of coastal luxury at 96122 Roddenberry Way, an exquisite residence in the prestigious, gated Enclave…
Listing Office: one sotheby's international realty
For Sale96143 Hanging Moss DriveFernandina Beach, FL 32034
3 bd · 2.5 ba · 2,064 sq ft
$725,000Est. $3,859/moExperience coastal living at its finest in this like new townhome located in a gated community on the highly desirable…
Listing Office: berkshire hathaway home services heymann williams
For Sale95984 Mimosa DriveFernandina Beach, FL 32034
2 bd · 2 ba · 1,360 sq ft
$665,000Est. $3,539/moImmaculately kept and fully furnished, this turnkey single-story home features the highly sought-after Cindi floor plan…
Listing Office: berkshire hathaway home services heymann williams
Keep looking
Similar homes in Fernandina Beach
Explore the area
More in Summer Beach
Summer Beach guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Feb 26, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines