This home is in Fernandina Beach.

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Pending

Pending·103 days on market

92648 Shipton Lane

Fernandina Beach, FL 32034

$669,000$211/sqftEst. $3,561/moMLS# 2138336

Beds

Baths

3,178

Sq Ft

2023

Built

Garage

Pool

About this home

Fernandina Beach

Step into STYLE, SPACE, and FLEXIBILITY with this beautifully designed 5-bedroom, 4-bathroom home that truly checks every box! From the moment you enter, you'll appreciate the thoughtful layout featuring a private office with FRENCH DOORS, an upstairs versatile FLEX SPACE, and a convenient downstairs bedroom with a full bath, perfect for guests or multi-generational living. The HEART of the home showcases a stunning white kitchen complete with Stainless Steel appliances, SOFT-CLOSE cabinetry and drawers, additional storage under the island, and seamless flow into the main living areas adorned with Wood-Look Beachwood Tile. Plantation blinds throughout add a polished, move-in-ready touch. Upstairs, you'll find a spacious LOFT ideal for a media room, playroom, or second living area, along with generously sized bedrooms featuring cozy carpet. The primary suite is a true RETREAT, offering double vanities, a walk-in GLASS shower, and oversized closet, and a luxurious SOAKING TUB.

Cost to own

Mortgage calculator

Home Price

$669,000

Down Payment: 20%

$133,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,379

Principal & Interest: $3,379

Est. Taxes & Insurance: $845

Estimated Total Monthly

$4,224

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$3,561

Property taxesest. at asking price, Nassau County$924

HOAbilled quarterly$102

Estimated total, before insurance$4,586/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

Last sold: $603,700 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$599,080	$577,002	—
2024	$524,547	$524,547	—
2023	$75,000	$71,500	—
2022	$65,000	$65,000	—
2021	$24,241	$24,241	—

2025 property taxes (current owner): $8,995/yr

Estimated taxes if purchased at asking price: ~$11,100/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,556 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.

Features

Price$669,000

Price / Sq Ft$211

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,178

Acres0.25 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementarySouthside

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address92648 Shipton Lane, Fernandina Beach, FL 32034

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionKingsley

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,890 sq ft

Parcel Number392N28014100250000

ZoningResidential

Amenities

AmenitiesPool

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Natural Gas Connected, Water Available

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDisposal, Gas Cooktop, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, Upper Level, Washer Hookup