This home is in Fernandina Beach.

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Pending

Pending·150 days on market

96091 Carrera Way

Fernandina Beach, FL 32034

$477,997$157/sqftEst. $2,437/moMLS# 2132367

Beds

Baths

3,037

Sq Ft

2026

Built

Garage

Pool

About this home

Fernandina Beach

Up to 15k CC for any deal using our preferred lender. Special Financing Incentives. Up to 10k closings cost on cash deals! Beautiful home with Modern Living Suite on main level is thoughtfully designed for entertaining with an open layout with well appointed features including 9' ceilings, 8' doors, quartz countertops, expansive kitchen with quartz countertops, walk in pantry, mud entry from garage and covered patio. The first floor Modern LIving Suite includes a separate living space with kitchenette, bedroom and separeate bath with walk-in shower and can be used as in-home office, gym, or man cave as well. On the second level, a secluded primary suite boasts a massive walk-in closet and private bath with it's own walk-in linen closet. A loft area provides for a third gathering space. SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s).

Cost to own

Mortgage calculator

Home Price

$477,997

Down Payment: 20%

$95,599

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,437

Principal & Interest: $2,437

Property taxes (est.): $660

Insurance (est.): $319

Estimated Total Monthly

$3,416

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,437

Property taxesest. at asking price, Nassau County$660

HOAbilled annually$32

Estimated total, before insurance$3,129/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$30,000	$30,000	—

2025 property taxes (current owner): $461/yr

Estimated taxes if purchased at asking price: ~$7,900/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: Shingle — year not disclosed (home built 2026)

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

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