This home is in Fernandina Beach.
Active·104 days on market
96143 Hanging Moss Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Experience coastal living at its finest in this like new townhome located in a gated community on the highly desirable south end of Amelia Island. Designed for both comfort and convenience, this townhome features a private elevator and dual primary suites, one on each level, making it ideal for guests or multigenerational living. The upgraded kitchen showcases quartz countertops, stainless steel appliances, and a gas range, seamlessly opening to a light-filled living area that is perfect for entertaining. Built with efficiency in mind, the home includes a tankless gas water heater and is situated within a natural gas community offering premium amenities. Residents enjoy access to a community pool, clubhouse, and a paved bike trail that leads directly to the beach, making it effortless to embrace the island lifestyle. Car enthusiasts and hobbyists will appreciate the two-car garage featuring a durable Swisstrax flooring system, cabinetry, and a dedicated workbench for optimal
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $644,791 | $644,791 | — |
| 2024 | $542,827 | $542,827 | — |
| 2023 | $519,833 | $437,662 | — |
| 2022 | $473,458 | $423,458 | — |
| 2021 | $60,000 | $60,000 | — |
| 2020 | $60,000 | $60,000 | — |
2025 property taxes (current owner): $10,024/yr
Estimated taxes if purchased at asking price: ~$13,000/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 — 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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,775 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
- Apr 2, 2026Listed$785,000
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: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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