This home is in Fernandina Beach — a waterfront home in Nassau County.
Active·227 days on market
98 Sea Marsh Road
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
DRAMATIC MARSH VIEWS! Westerly exposure w phenomenal sunset view in Amelia Island Plantation. Set back off the road you'll be impressed by the abundant glass 17 foot ceilings & open spaciousness creating elegance while capitalizing on the expansive vista over the salt marsh. Located in the heart of this gate-secured community on South Amelia Island with amenities and access to the beach & waterway. Features manicured landscaping, paver curved motor court, elegant foyer, with handwoven dbl doors, appealing gourmet kitchen w gas cktp, new Bosch DW, island w wetter, BRAZILIAN MAHOGANY WOOD FLOORS, commanding dual sided fireplace & detached screened enclosure (14x14) with fountain, Private tranquil setting. Irrigation well, generator, laundry room with new w/d & freezer, Roof 2022, 2 HVAC'S 2022. ADT monitoring for burglar, fire and cellular communicator. Elevation certificate, 4 PT Inspection Report & Mitigation Verification Inspection available
Next steps in Amelia Island
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 (that applies to the reference bill above too).
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.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer (public record) · Public water (record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,630 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
Burney Parkabout 0.9 mi · 220 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 4 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 4 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 5 mi · Edwards Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 9 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.
Cost to own
Taxes & assessment
Last sold: $2,300,000 in April 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $2,048,211 | $1,997,489 | — |
| 2024 | $1,392,997 | $1,299,407 | — |
| 2023 | $1,369,932 | $1,181,279 | — |
| 2022 | $1,073,890 | $1,073,890 | — |
| 2021 | $930,543 | $930,543 | — |
| 2020 | $903,433 | $903,433 | — |
2025 property taxes (current owner): $31,395/yr
Estimated taxes if purchased at asking price: ~$48,900/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.
History
Price & status history
- Mar 3, 2026Listed$2,950,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $465/sq ft; this home is listed at $570/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2 Heron Oaks Court, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2025 | $1,925,000 | $472 | 4/4.5 | 4,081 | 4 | 0.5 |
| 10 Buckthorne Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2025 | $1,550,000 | $387 | 4/4 | 4,010 | 75 | 0.6 |
| 1 Marsh Hawk Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2025 | $2,000,000 | $524 | 4/4 | 3,819 | 1 | 1 |
| 1731 Regatta Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Oct 2025 | $2,050,000 | $465 | 3/3.5 | 4,407 | 186 | 2.1 |
| 1653 Rigging Way, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Aug 2025 | $1,450,000 | $387 | 4/4 | 3,748 | 30 | 2.2 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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.
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines