This home is in Fernandina Beach — a gated community home on Amelia Island.
Sold·Closed Jul 10, 2026·57 days on market·Recent sales in Amelia Island
95068 Summerwoods Circle 2206
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Tucked within the gated privacy of Summerwoods, this never-rented 3BR/3BA condo is a rare find in one of Amelia Island's most sought-after communities. Perfectly situated between the Ritz-Carlton and Summer Beach, the property offers effortless beach access via a shaded, tree-canopied path, ideal for walks, bike rides, or golf cart trips. Homes combining privacy, location, and move-in-ready coastal style like this don't come around often. The thoughtfully designed open floor plan is bright and airy, with soaring ceilings, crown molding, and living and dining areas that extend to a private screened balcony with tranquil courtyard views. The kitchen balances style and function with stainless steel appliances, granite countertops, under-cabinet lighting, a central island, and a generous walk-in pantry. Two ensuite bedrooms feature walk-in closets and balcony access, while a third bedroom and full bath provide flexibility for guests or family.
Next steps in Amelia Island
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.
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: Metal — year not disclosed (home built 2013)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,819 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 homeThis 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $609,000 | $605,605 | — |
| 2024 | $580,000 | $550,550 | — |
| 2023 | $528,000 | $500,500 | — |
| 2022 | $455,000 | $455,000 | — |
| 2021 | $382,000 | $332,000 | — |
| 2020 | $341,000 | $281,452 | — |
2025 property taxes (current owner): $9,436/yr
Estimated taxes if purchased at asking price: ~$12,300/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
- Jul 15, 2026Closed$749,000
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 $376/sq ft; this home is listed at $363/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96135 Hanging Moss Drive, Fernandina Beach, FL 32034Listed by NON MLS (realMLS) | Jun 2026 | $775,000 | $370 | 3/2.5 | 2,093 | 1 | 0.1 |
| 95130 Sabal Palm Road 103, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Apr 2026 | $840,000 | $394 | 3/2.5 | 2,134 | 74 | 0.1 |
| 95220 Summerwoods Circle 1205, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Dec 2025 | $690,000 | $334 | 3/3 | 2,065 | 32 | 0.1 |
| 5242 Sea Chase Drive #1 8A, Fernandina Beach, FL 32034Listed by DALTON WADE INC | Aug 2026 | $1,430,000 | $757 | 3/3 | 1,889 | 142 | 0.4 |
| 95024 Barclay Place 4A, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2026 | $580,000 | $376 | 2/2 | 1,541 | 54 | 0.5 |
| 2322 /2324 Boxwood Lane, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2026 | $480,000 | $329 | 2/2 | 1,460 | 64 | 1.4 |
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: SUMMER HOUSE REALTY
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 Jul 10, 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
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