This home is in Fernandina Beach.
Active·111 days on market
95148 Colnago Court
Fernandina Beach, FL 32034
About this home
Fernandina Beach
*MASSIVE PRICE IMPROVEMENT* EXQUISITE HOME with LAVISH upgrades is ready for YOU! This nearly new 4 bedroom, 2 bath home sits comfortably on a premium lot in a culdesac & an extended driveway for added bonus! Overlooking a preservation area, enjoy those slow days with a glass of wine inside the oversized covered, screened patio area. Take a few more steps to enjoy the extended patio with separate enclosure for a 16x8 swim spa for some summertime fun & even in the winter with it's upgraded heat pump. The LUSH landscape provides much ease with maintenance as the irrigation system also has drip lines for the avid gardener. As you enter the home, note the spacious entryway, 10 ft ceilings, upgraded LVP, and bonus features throughout! Open concept floor plan sets the stage for entertaining any size crowd, 42 in cabinets, quartz tops, and picturesque view of the nature preserve! Primary suite offers an oversized room with large walk in closet nestled inside the
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: $374,800 in March 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $342,613 | $145,082 | — |
| 2024 | $321,139 | $140,286 | — |
| 2023 | $288,023 | $134,744 | — |
| 2022 | $65,000 | $65,000 | — |
| 2021 | $34,445 | $34,445 | — |
2025 property taxes (current owner): $2,387/yr
Estimated taxes if purchased at asking price: ~$8,100/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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,765 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 homeInformational 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 26, 2026Listed$487,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PALM III REALTY AND PROPERTY M
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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