Active·208 days on market
96030 Stoney Drive 2502
Fernandina Beach, FL 32034
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fernandina Beach
Welcome to the Cottages at Stoney Creek, a GATED COMMUNITY where low-maintenance living meets effortless Florida style! This BEAUTIFULLY UPDATED** 3-bedroom, 2.5-bathroom townhome is **PACKED with UPGRADES**and features zero carpet throughout. AND COMES COMPLETELY FURNISHED. The open-concept living area showcases LUXURY VINYL PLANK FLOORING, crown molding, and a private patio overlooking lush greenery. The kitchen impresses with WHITE CABINETRY, stainless steel appliances, and a BOLD NAVY ISLAND that brings a **FRESH COASTAL FEEL** to the space. The primary suite offers serene tree views and a FULLY RENOVATED ENSUITE BATHROOM with a glass-enclosed walk-in shower, soaking tub, and sleek matte black hardware. Two additional bedrooms provide the perfect flex space for guests or a home office, and the second renovated full bath is equally polished. All Bedrooms are on the 2nd Level along with the Laundry Area and a convenient half Bath is on the main level. Enjoy RESORT STYLE LIVING
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 F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: material not specified — year not disclosed (home built 2008)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA
County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,759 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, league fields and grocery store from this home's location.
Closest beach parking
Peters Point Beachfront Parkabout 5 mi · 180 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 7 mi · 3.6 mi of trails
Closest public boat ramp
Melton Nelson Park and Boat Rampabout 2 mi · Lofton Creek
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 7 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 0.4 mi · 464016 State Road 200, Yulee
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $248,000 | $161,062 | — |
| 2024 | $238,000 | $155,815 | — |
| 2023 | $235,000 | $149,820 | — |
| 2022 | $194,000 | $144,000 | — |
| 2021 | $149,000 | $149,000 | — |
| 2020 | $142,000 | $142,000 | — |
2025 property taxes (current owner): $2,632/yr
Estimated taxes if purchased at asking price: ~$5,200/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
- Sep 30, 2026Price change$311,990−$21,010
- Sep 8, 2026Price change$333,000−$1,995
- Mar 28, 2026Listed$334,995
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 $184/sq ft; this home is listed at $211/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96010 Stoney Drive 2405, Fernandina Beach, FL 32034Listed by PINEYWOODS REALTY LLC | Aug 2026 | $300,000 | $179 | 3/2 | 1,680 | 91 | 0 |
| 96028 Cottage Court 1401, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERS | Aug 2026 | $280,000 | $172 | 3/2.5 | 1,631 | 18 | 0.1 |
| 96033 Stoney Drive 2206, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Jun 2026 | $290,000 | $216 | 2/2 | 1,341 | 70 | 0.1 |
| 96066 Stoney Creek Parkway, Fernandina Beach, FL 32034Listed by EXP REALTY LLC | Apr 2026 | $285,000 | $203 | 2/2 | 1,407 | 48 | 0.1 |
| 96035 Cottage Court 1208, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Mar 2026 | $299,500 | $184 | 3/2.5 | 1,631 | 23 | 0.1 |
| 96015 Stoney Creek Parkway 1008, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Feb 2026 | $290,000 | $178 | 3/2.5 | 1,631 | 3 | 0.1 |
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
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: FERNANDINA BEACH REALTY
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.
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Krista Fracke
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