Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a waterfront home in Nassau County.

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Active Under Contract

Active Under Contract·2 days on market

940197 Old Nassauville Road

Fernandina Beach, FL 32034

$899,000$383/sqftEst. $4,622/moMLS# 2136016

Beds

Baths

2,350

Sq Ft

1998

Built

Garage

Yes

Pool

About this home

Fernandina Beach

Experience the pinnacle of country luxury on this stunning 5.75-acre estate, where sprawling natural beauty meets sophisticated modern design. Imagine starting your mornings with a quiet coffee on the expansive patio, overlooking your private pond, before spending sun-drenched afternoons unwinding by the sparkling screened-in pool. The heart of the home is a true chef's masterpiece, flooded with natural light and premium finishes. It features a brand-new Frigidaire Professional refrigerator, a high-efficiency induction cooktop, and a double oven, all framed by 42'' cabinets, tile backsplash, and elegant natural stone countertops. The open floor plan boasts soaring vaulted ceilings and exquisite Italian tile flooring, anchored by a custom built-in bar and a charming dining area with integrated bench storage. The primary suite serves as a serene haven of relaxation, offering dual ''his-and-her'' closets and a spa-inspired bathroom with a grand tiled walk-in shower, dual shower heads, and

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,622

Principal & Interest: $4,622

Property taxes (est.): $1,241

Insurance (est.): $599

Estimated Total Monthly

$6,462

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$4,622

Property taxesest. at asking price, Nassau County$1,241

Estimated total, before insurance$5,863/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$751,893	$0	—
2024	$654,463	$0	—
2023	$739,483	$0	—
2022	$490,136	$0	—
2021	$412,772	$0	—
2020	$340,061	$0	—

Estimated taxes if purchased at asking price: ~$14,900/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 1998)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,597 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

Aug 26, 2026Active Under Contract$899,000
Jul 11, 2026Pending$899,000
Mar 20, 2026Listed$899,000

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

Features

Price$899,000

Price / Sq Ft$383

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,350

Acres5.75 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionFixer, Updated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontYes

Direction FacesEast

Community Information

Address940197 Old Nassauville Road, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionMetes & Bounds

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size250,470 sq ft

Parcel Number452N28000000070010

ZoningZoned for Horses

Amenities

UtilitiesCable Connected, Electricity Connected, Propane

SewerSeptic Tank

Water SourcePrivate, Well

ParkingCircular Driveway, Garage, Garage Door Opener, Guest, RV Access/Parking

ViewPond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, His and Hers Closets, Open Floorplan, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Wet Bar

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LaundryElectric Dryer Hookup, In Unit, Washer Hookup