This home is in Fernandina Beach.

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Active

Active·102 days on market

96030 Stoney Drive 2502

Fernandina Beach, FL 32034

$334,995$227/sqftEst. $1,783/moMLS# 2137221

Beds

Baths

1,477

Sq Ft

2008

Built

Garage

Pool

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

Mortgage calculator

Home Price

$334,995

Down Payment: 20%

$66,999

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,783

Principal & Interest: $1,783

Est. Taxes & Insurance: $446

Estimated Total Monthly

$2,229

*Estimates based on 30-year loan at 7% APR. 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 · 7.0% · 30yr$1,783

Property taxesest. at asking price, Nassau County$461

HOAbilled monthly$375

Estimated total, before insurance$2,619/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

Year	Market value	Taxable value	Change
2025	$248,000	$161,062	—

2025 property taxes (current owner): $2,632/yr

Estimated taxes if purchased at asking price: ~$5,500/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 502 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 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.

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 home

Informational 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