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Active

Active·121 days on market

95494 Golden Glow Drive

Fernandina Beach, FL 32034

$749,900$284/sqftEst. $3,991/moMLS# 2135369

Beds

Baths

2,638

Sq Ft

2026

Built

Garage

Pool

About this home

Fernandina Beach

Riverside Homes popular Tomoka plan in Amelia National Golf & Country Club on a beautiful water homesite with a Fall completion date. This home has 4 bedrooms and 4 baths, study and dining rooms, 12' ceilings, 8' doors, and 3 car garage. Some of the structural options include huge 16' slider flooding the Family Room with light. The Chef's Kitchen is prewired for double pendants and under cabinet lighting. The Owner's Suite has a sitting room, spa bath with free standing tub and super shower with double shower heads. The finishing touches of crown molding and tray ceilings are a perfect designer addition. Riverside Homes include gas appliances, tankless water heater, paver driveway and lead walk, structured wiring and surround sound. The floor plan brochure in documents. **Photos of similar home** Design selections in photos.

Cost to own

Mortgage calculator

Home Price

$749,900

Down Payment: 20%

$149,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,812

Principal & Interest: $3,812

Est. Taxes & Insurance: $953

Estimated Total Monthly

$4,765

*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$3,991

Property taxesest. at asking price, Nassau County$1,035

HOAbilled annually$75

Estimated total, before insurance$5,101/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: $3,250,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$135,000	$135,000	—
2024	$165,000	$165,000	—
2023	$13,527	$13,527	—

2025 property taxes (current owner): $4,015/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.

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 F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2026)

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

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.

History

Price & status history

Mar 17, 2026Listed$749,900

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

Features

Price$749,900

Price / Sq Ft$284

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,638

Acres0.29 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUnder Construction

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address95494 Golden Glow Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia National

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size12,632.4 sq ft

Parcel Number272N28006C05270000

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Golf Course, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Microwave, Tankless Water Heater

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringTile

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

SecurityGated with Guard