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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Amelia National, Fernandina Beach — a gated community home on Amelia Island.

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Sold

Sold·Closed Jun 2, 2026·44 days on market·Recent sales in Amelia National·Amelia National

94036 Hemlock Court

Fernandina Beach, FL 32034

$750,000sold priceListed at $775,000 · 96.8% of asking$271/sqftMLS# 2134272
3
Beds
3.5
Baths
2,766
Sq Ft
2007
Built
1.5
Garage
No
Pool

28 more homes for sale in Amelia National →Search Amelia National on the map

HOA $315/mo6,970 sqft lotTownhouse2 stories

About this home

Amelia National

Own a front-row seat to the 10th green of the newly renovated Tom Fazio course in this 2,766 sq. ft. ''Private Quarters'' masterpiece. The expansive living room features vaulted ceilings that flood the home with natural light, centered around a cozy fireplace with custom built-ins. A chef's dream, the kitchen boasts a Viking gas 4 burner range and new LG stainless steel appliances. This rare layout offers three full master suites, providing the ultimate setup for guests. The value is unparalleled: $45,000 in golf initiation dues are waived, and there are no food or beverage minimums. Enjoy a truly maintenance-free ''lock-and-leave'' lifestyle with landscape care, pest control, power washing, and trash removal all provided. Complete with a new 2025 roof and tankless water heater, and golf cart garage, this gated retreat is the pinnacle of Amelia National living.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,154
Property taxesest. at asking price, Nassau County$1,035
HOAbilled monthly$315
Estimated total, before insurance$5,505/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,319/yr · $527/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$750,000
$150,000
Loan Term
Monthly Payment
$4,154
Principal & Interest: $4,154
Property taxes (est.): $1,035
Insurance (est.): $500
Estimated Total Monthly
$5,690
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,695 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$527,830$308,339—
2024$503,804$298,942—
2023$504,784$288,779—
2022$459,726$278,912—
2021$343,683$269,332—
2020$330,089$264,923—

2025 property taxes (current owner): $6,319/yr

Estimated taxes if purchased at asking price: ~$12,400/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.

Features

Price$775,000
Price / Sq Ft$280
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,766
Acres0.16 acres
Year Built2007
TypeResidential
Sub-TypeTownhouse
StatusClosed
# of Garages1.5
Has PoolNo
Is WaterfrontNo

Community Information

Address94036 Hemlock Court, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionAmelia National
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size6,969.6 sq ft
Parcel Number262N28168P00170000
ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Full Time, Spa/Hot Tub, Tennis Court(s)
Community FeaturesGated
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther, Garage, Garage Door Opener
ViewGolf Course

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Heat Pump
CoolingCentral Air
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryIn Unit
SecurityGated with Guard

Exterior

Lot DescriptionCul-De-Sac, On Golf Course
Patio / PorchRear Porch, Screened
RoofShingle
ConstructionFrame, Stucco

Additional Information

Date ListedMarch 11, 2026
Days on Market44
HOA Fees$315 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Pest Control, Trash
Tax Amount$6,318.77
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL 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.

The neighborhood

About Amelia National

Amelia National is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all Amelia National homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 2, 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.

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