This home is in Amelia Concourse, Fernandina Beach.
Pending·206 days on market·Amelia Concourse
95154 Cornflower Drive
Fernandina Beach, FL 32034
8 more homes for sale in Amelia Concourse →Search Amelia Concourse on the map
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About this home
Amelia Concourse
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.
Next steps in Amelia Concourse
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, 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
Scott Road Beach Access21 min drive · 100 parking spaces
Closest park or preserve
Big Talbot Island State Park31 min drive · 11.2 mi of trails
Closest public boat ramp
John F. Claxton (aka. Wilson Neck) Boat Rampabout 3 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 7 mi · Edwards Creek
Closest youth league fields
William F. Sheffield Regional Park39 min drive · Baseball, Football, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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: ~$8,800/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.
History
Price & status history
- Aug 28, 2026Pending$529,500
- Aug 19, 2026Price change$529,500−$10,000
- Mar 25, 2026Listed$539,500
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $214/sq ft; this home is listed at $184/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 94974 Windflower Trail, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $530,000 | $223 | 4/3 | 2,376 | 5 | 0.2 |
| 95237 Periwinkle Place, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $410,000 | $160 | 4/2.5 | 2,566 | 43 | 0.3 |
| 85069 Champlain Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Aug 2026 | $432,000 | $214 | 3/2 | 2,022 | 25 | 0.3 |
| 95134 Snapdragon Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Oct 2026 | $535,000 | $194 | 3/3 | 2,760 | 153 | 0.4 |
| 95241 Snapdragon Drive, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Sep 2026 | $636,000 | $193 | 4/4 | 3,290 | 4 | 0.4 |
| 85239 Champlain Drive, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jul 2026 | $670,000 | $231 | 4/3.5 | 2,904 | 5 | 0.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Amelia Concourse
Amelia Concourse is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
View all Amelia Concourse homes for sale →Keep looking
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Krista Fracke
Broker Associate
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