This home is in Fernandina Beach.

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Active

Active·116 days on market

95154 Cornflower Drive

Fernandina Beach, FL 32034

$539,500$188/sqftEst. $2,742/moMLS# 2136693

Beds

Baths

2,876

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

Rare opportunity to assume the seller's existing 4.375% mortgage (subject to lender approval), offering qualified buyers a unique financing advantage in today's market. Built in 2022, this 5BR/4BA home with a dedicated office offers nearly 2,900 SF of flexible living space designed for today's lifestyle. The open-concept floor plan features a spacious kitchen with quartz countertops, a large island, gas cooktop, double ovens, walk-in pantry, and seamless flow into the dining and living areas. A first-floor bedroom and full bath provide ideal space for guests, multigenerational living, or a home office. Situated on an oversized preserve homesite with an adjacent utility easement for added privacy, enjoy peaceful views from the screened lanai. Community pool and playground. Conveniently located just minutes from Amelia Island, historic downtown Fernandina Beach, Kings Bay, Jacksonville, shopping, dining, and JAX Airport.

Cost to own

Mortgage calculator

Home Price

$539,500

Down Payment: 20%

$107,900

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,742

Principal & Interest: $2,742

Est. Taxes & Insurance: $686

Estimated Total Monthly

$3,428

*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$2,742

Property taxesest. at asking price, Nassau County$745

HOAbilled annually$11

Estimated total, before insurance$3,498/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: $497,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$457,482	$397,002	—
2024	$440,481	$385,106	—
2023	$422,433	$372,433	—
2022	$65,000	$44,000	—
2021	$40,000	$40,000	—

2025 property taxes (current owner): $8,749/yr

Estimated taxes if purchased at asking price: ~$8,900/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 2022)

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

Solar potential: ~1,641 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