Sold·Closed Aug 18, 2026·72 days on market
95238 Katherine Street
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Just like brand new! Only 2 years old. A Rare opportunity to own one of the most sought-after floor plans in the community, offering over 2,400 sq ft of well-designed living space. This 4-bedroom, 3-bath home features a spacious bedroom/bath and convenient laundry room on the main level, with three additional bedrooms and a versatile loft upstairs--perfect for a home office, playroom, or media space. The open-concept layout showcases modern finishes throughout, creating a bright and inviting atmosphere ideal for everyday living and entertaining. Ceiling fans are already installed in the bedrooms for added comfort. Ideally located just minutes from top-rated restaurants, the beach, and historic downtown Fernandina, this home combines comfort, functionality, and location. A rare find you don't want to miss!
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,545 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.
Cost to own
Taxes & assessment
Last sold: $410,000 in March 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $399,212 | $399,212 | — |
| 2024 | $60,000 | $60,000 | — |
| 2023 | $60,000 | $60,000 | — |
| 2022 | $25,000 | $25,000 | — |
2025 property taxes (current owner): $6,129/yr
Estimated taxes if purchased at asking price: ~$6,700/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
- Aug 19, 2026Closed$409,990
- Aug 13, 2026Pending$409,990
- Apr 7, 2026Listed$409,990
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 $227/sq ft; this home is listed at $170/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95161 Lock Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Aug 2026 | $408,000 | $215 | 3/2 | 1,895 | 89 | 0.1 |
| 97280 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $405,000 | $227 | 3/2 | 1,787 | 89 | 0.2 |
| 95958 Surrey Place, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $440,000 | $193 | 4/2.5 | 2,285 | 9 | 0.3 |
| 95043 Poplar Way, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $569,900 | $238 | 4/3 | 2,396 | 98 | 0.6 |
| 95191 Poplar Way, Fernandina Beach, FL 32034Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $600,000 | $221 | 3/3 | 2,712 | 22 | 0.7 |
| 95308 Bentgrass Court, Fernandina Beach, FL 32034Listed by ICI SELECT REALTY, INC. | Aug 2026 | $1,062,491 | $344 | 4/3 | 3,086 | 48 | 0.9 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: 1 PERCENT LISTS FIRST COAST
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 18, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines