Sold·Closed Jun 30, 2026·70 days on market
96033 Stoney Drive 2206
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Enjoy low-maintenance living in The Cottages at Stoney Creek. This updated 2BR/2BA first-floor condo is located in a gated community just a short drive to Amelia Island beaches, dining, shopping, and historic downtown Fernandina Beach.The open living and dining area flows to a screened lanai overlooking a serene pond, perfect for morning coffee or relaxing evenings. Both bedrooms offer tranquil water views and glimpses of local wildlife. The primary suite features a private bath with a soaking tub and walk-in closet, while the guest bedroom and full bath are positioned on the opposite side for added privacy. This unit also includes an attached one-car garage along with two additional parking spaces. Updates include new flooring, appliances, water softener (2023), and a new roof and gutters (2025). Monthly dues cover trash service, common area maintenance, & building insurance, giving you more time to enjoy the community pool and and the coastal lifestyle you've been dreaming of.
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.
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 2007)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,719 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.
Cost to own
Taxes & assessment
Last sold: $280,000 in July 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $244,000 | $191,093 | — |
| 2024 | $235,000 | $185,000 | — |
| 2023 | $232,000 | $182,000 | — |
| 2022 | $191,000 | $53,787 | — |
| 2021 | $147,000 | $50,764 | — |
| 2020 | $141,000 | $49,373 | — |
2025 property taxes (current owner): $3,093/yr
Estimated taxes if purchased at asking price: ~$4,800/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.
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 $179/sq ft; this home is listed at $220/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96028 Cottage Court 1401, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERS | Aug 2026 | $280,000 | $172 | 3/2.5 | 1,631 | 18 | 0 |
| 96010 Stoney Drive 2405, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | Aug 2026 | $300,000 | $179 | 3/2 | 1,680 | 91 | 0.1 |
| 96222 Stoney Drive 2805, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Nov 2025 | $302,000 | $180 | 3/2 | 1,680 | 79 | 0.1 |
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: SUMMER HOUSE REALTY
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.
Keep looking
More homes in Cottages at Stoney Creek
For Sale96158 Stoney Creek Parkway 402Fernandina Beach, FL 32034
3 bd · 2.5 ba · 1,477 sq ft
$299,500Est. $1,594/moSkip the stress of moving and step right into paradise with this completely furnished, turn-key townhome! Located in…
Listing Office: keller williams southeastern partners
For Sale96048 Cottage CourtFernandina Beach, FL 32034
2 bd · 2 ba · 1,407 sq ft
$290,000Est. $1,544/moFirst-floor, step-free living with a garage in a sought-after gated community! This beautifully maintained 2-bedroom,…
Listing Office: coldwell banker the amelia group
For Sale96029 Cottage Court 1205Fernandina Beach, FL 32034
3 bd · 2 ba · 1,680 sq ft
$289,999Est. $1,543/moWelcome home! This spacious 3 Bedroom/2 Bath condo is the largest floor plan in the community, and it truly lives more…
Listing Office: fernandina beach realty
For Sale96230 Stoney Drive 2801Fernandina Beach, FL 32034
3 bd · 2.5 ba · 1,631 sq ft
$281,900Est. $1,500/moExceptional value in the gated Cottages at Stoney Creek! This desirable END UNIT offers 3 beds, 2.5 baths & 1,631 SF of…
Listing Office: christie's international real estate first coast
Keep looking
Similar homes in Fernandina Beach
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 30, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines