This home is in Southern Creek Townhomes, Fernandina Beach.

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Pending

Pending·122 days on market·Southern Creek Townhomes

85110 Southern Creek Boulevard

Fernandina Beach, FL 32034

$549,000$202/sqftEst. $2,922/moMLS# 2135074

Beds

Baths

2,715

Sq Ft

2024

Built

Garage

Pool

About this home

Southern Creek Townhomes

Opportunity awaits with highly motivated sellers ready for a swift, seamless closing. Experience 2024 luxury on a premier ½-acre wooded lot in a private gated sanctuary where ''Old Florida'' charm meets modern performance. Enjoy a tranquil fishing pond out front and a lush preserve in back with zero rear neighbors for ultimate seclusion. Chef's kitchen is a showpiece with quartz, induction, double ovens, and a 7x7 walk-in pantry, opening to a family room with custom shiplap. High-end details include LVP flooring, an oak staircase, 10x13 primary closet, crown molding, and a finished mudroom with built-ins. Layout features a private guest en-suite and Jack & Jill bth. Infrastructure upgrades include a whole-house generator hookup, H2O2 water filtration, and Rain Bird irrigation. Outdoor oasis offers a screened lanai, brick-paver patio with fire pit, 8x10 shed, and extra-wide boat/RV parking. Just minutes from Amelia Island beaches--skip the build times, this turn-key retreat is ready now

Cost to own

Mortgage calculator

Home Price

$549,000

Down Payment: 20%

$109,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,791

Principal & Interest: $2,791

Est. Taxes & Insurance: $698

Estimated Total Monthly

$3,488

*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 · 7.0% · 30yr$2,922

Property taxesest. at asking price, Nassau County$758

HOAbilled annually$100

Estimated total, before insurance$3,780/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

Last sold: $216,800 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$585,595	$361,216	—
2024	$100,000	$100,000	—
2023	$50,000	$50,000	—
2022	$50,000	$26,620	—
2021	$30,000	$24,200	—
2020	$30,000	$22,000	—

2025 property taxes (current owner): $5,705/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.

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 2024)

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

Solar potential: ~1,243 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

Features

Price$549,000

Price / Sq Ft$202

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,715

Acres0.50 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address85110 Southern Creek Boulevard, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionSouthern Creek

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size21,780 sq ft

Parcel Number252N27198000060000

ZoningResidential

Amenities

AmenitiesGated, Maintenance Grounds

UtilitiesElectricity Connected

SewerAerobic Septic

Water SourcePrivate, Well

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, RV Access/Parking

ViewPond, Protected Preserve

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Double Oven, Electric Oven, Electric Water Heater, Induction Cooktop, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric, Zoned

FlooringTile, Vinyl, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)