This home is in Fernandina Beach.
Active·119 days on market
95272 Sandy Pointe Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Immaculate is an understatement for how this home shows! From the moment you step inside, you'll notice the custom lighting throughout and the stunning gourmet kitchen featuring a wall oven/microwave combo, cooktop, coffee bar, and stylish cabinetry hardware that truly sets this home apart. Large sliders frame beautiful palm tree views, while light, airy colors create the ultimate clean coastal vibe. Offering over 2,700 square feet, this thoughtfully designed split floor plan includes 4 bedrooms, 3 full bathrooms, a private office, formal dining room, and eat-in kitchen. The spacious primary suite boasts his and hers walk-in closets, and luxury vinyl plank flooring flows through the main living areas, with cozy carpet in the bedrooms. A generous laundry room with built-in drop station adds everyday convenience. The main garage is a courtyard entry and features Shark Coating epoxy flooring, and on the opposite side of the home you'll find a large, easily accessible storage room
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: $620,000 in February 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $546,898 | $496,176 | — |
| 2024 | $475,081 | $459,976 | — |
| 2023 | $75,000 | $54,450 | — |
| 2022 | $75,000 | $49,500 | — |
| 2021 | $45,000 | $45,000 | — |
2025 property taxes (current owner): $7,776/yr
Estimated taxes if purchased at asking price: ~$10,900/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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 2023)
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 homeAs 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 22, 2026Listed$660,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines