This home is in Fernandina Beach.

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Active

Active·128 days on market

95134 Snapdragon Drive

Fernandina Beach, FL 32034

$550,000$199/sqftEst. $2,796/moMLS# 2134853

Beds

Baths

2,760

Sq Ft

2018

Built

Garage

Pool

About this home

Fernandina Beach

Located in the highly desirable Amelia Concourse community, this beautifully maintained Fernandina Beach home offers peaceful water views, spacious single-level living, and a flexible floor plan designed for modern lifestyles. With over 2,700 square feet all on one floor, the home blends comfort, functionality, and thoughtful upgrades throughout. Inside, you'll find light-filled, open-concept living spaces enhanced by plantation shutters and durable luxury vinyl plank flooring throughout. The gourmet kitchen is the heart of the home, featuring an upgraded appliance package with double ovens, ample prep space, and a layout ideal for both everyday living and entertaining. A built-in sound system in the living room and patio creates a seamless indoor-outdoor experience. A standout feature is the versatile bonus room, complete with a Murphy bed, full bathroom, and private exterior entrance--perfect for a guest suite, in-law quarters, or multi-generational living.

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,796

Principal & Interest: $2,796

Est. Taxes & Insurance: $699

Estimated Total Monthly

$3,494

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$2,796

Property taxesest. at asking price, Nassau County$759

HOAbilled annually$11

Estimated total, before insurance$3,565/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$459,048	$262,945	—
2024	$432,357	$254,827	—
2023	$416,481	$245,949	—
2022	$387,706	$237,329	—
2021	$297,771	$228,960	—
2020	$275,108	$225,108	—

2025 property taxes (current owner): $6,696/yr

Estimated taxes if purchased at asking price: ~$9,100/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 2018)

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

Solar potential: ~1,704 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 13, 2026Listed$550,000

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

Features

Price$550,000

Price / Sq Ft$199

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,760

Total Structure Area2,760 sq ft

Acres0.25 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address95134 Snapdragon Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia Concourse

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,890 sq ft

Lot Dimensions11064.24

Parcel Number302N28015101020000

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Gated, Park, Playground

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringVinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity System Owned