Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a waterfront home in Nassau County.

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Active

Active·179 days on market

98 Sea Marsh Road

Fernandina Beach, FL 32034

$2,950,000$570/sqftEst. $15,166/moMLS# 2132955

Beds

Baths

5,177

Sq Ft

1986

Built

Garage

Pool

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

Cost to own

Mortgage calculator

Home Price

$2,950,000

Down Payment: 20%

$590,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$15,166

Principal & Interest: $15,166

Property taxes (est.): $4,073

Insurance (est.): $1,967

Estimated Total Monthly

$21,205

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$15,166

Property taxesest. at asking price, Nassau County$4,073

HOAbilled annually$208

Estimated total, before insurance$19,447/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$31,395/yr · $2,616/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

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.

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 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

Price & status history

Mar 3, 2026Listed$2,950,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$2,950,000

Price / Sq Ft$570

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage5,177

Acres0.97 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address98 Sea Marsh Road, Fernandina Beach, FL 32034

Area460-Amelia Island Plantation

SubdivisionAmelia Island

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size42,253.2 sq ft

Parcel Number016N29030A00010000

Amenities

AmenitiesBeach Access, Boat Slip, Clubhouse, Gated, Golf Course, Park, Pickleball, Security

UtilitiesCable Available, Cable Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Gated

ViewIntracoastal

Waterfront TypeIntracoastal, Marsh

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Freezer, Gas Cooktop, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral, Heat Pump, Zoned

CoolingCentral Air, Split System

FireplaceYes

# of Fireplaces1

Fireplace FeaturesDouble Sided, Free Standing, Wood Burning

# of Stories2

LevelsTwo

Window FeaturesSkylight(s)

SecurityFire Alarm, Security Gate