This home is in Fernandina Beach.

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Active

Active·108 days on market

96058 Bay View Drive

Fernandina Beach, FL 32034

$839,900$265/sqftEst. $4,269/moMLS# 2137958

Beds

Baths

3,169

Sq Ft

1998

Built

Garage

Pool

About this home

Fernandina Beach

$10,000 SELLER CREDIT AVAILABLE! Seller is offering $10,000 towed buyer closing costs, prepaid expenses, or an interest rate buy-down with an acceptable offer. Located in the gated Oyster Bay community, this beautifully updated 4-bedroom, 3.5-bath home offers a bright, functional layout with modern finishes throughout. The main living areas feature new luxury vinyl plank flooring, while the updated kitchen includes granite countertops, newer stainless steel appliances, and a gas stove. Perfect for everyday living and entertaining. A dedicated office adds flexibility for work or study. The primary suite is conveniently located on the first floor, and features a beautifully renovated shower. Upstairs offers additional bedrooms and updated bath space for family or guests.

Cost to own

Mortgage calculator

Home Price

$839,900

Down Payment: 20%

$167,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,269

Principal & Interest: $4,269

Est. Taxes & Insurance: $1,067

Estimated Total Monthly

$5,336

*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$4,269

Property taxesest. at asking price, Nassau County$1,160

HOAbilled quarterly$142

Estimated total, before insurance$5,570/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	$756,508	$697,923	—
2024	$727,546	$677,546	—
2023	$697,782	$499,325	—
2022	$566,108	$453,932	—
2021	$412,665	$412,665	—
2020	$385,635	$385,635	—

2025 property taxes (current owner): $10,874/yr

Estimated taxes if purchased at asking price: ~$13,900/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1998)

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

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,582 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

Price & status history

Jul 14, 2026Active$839,900
Jul 11, 2026Active Under Contract$839,900
Jul 10, 2026Active$839,900
Jul 9, 2026Active Under Contract$839,900
Apr 2, 2026Listed$839,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$839,900

Price / Sq Ft$265

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,169

Total Structure Area4,951 sq ft

Acres0.45 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementarySouthside

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address96058 Bay View Drive, Fernandina Beach, FL 32034

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionOyster Bay Harbours

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size19,602 sq ft

Parcel Number463N28548300330000

ZoningResidential

Amenities

AmenitiesPool, Gated, Tennis Court(s)

UtilitiesCable Available, Electricity Connected

SewerSeptic Tank

Water SourcePublic

ParkingCircular Driveway

ViewPond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile, Vinyl, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup

SecuritySecurity Gate