This home is in Fernandina Beach.

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Active

Active·102 days on market

79 Old Well Road

Fernandina Beach, FL 32034

$2,965,000$917/sqftEst. $15,071/moMLS# 2139054

Beds

Baths

3,235

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

Experience the quintessential Lowcountry lifestyle at 79 Old Well Road, a masterfully crafted sanctuary tucked within the exclusive gated community of Crane Island. This residence is a celebration of the outdoors, anchored by the philosophy that life is simply better on the porch. The expansive front porch serves as the heart of the home--the perfect perch for morning coffee, afternoon reading, and front-row seats to spectacular Florida sunsets over Alice park and the Amelia River. For moments of quiet reflection, the private rear porch and upper balcony also offer serene retreats. Inside, the home is a masterclass in natural light. Massive windows and high-volume ceilings ensure the interiors remain brilliantly bright from dawn to dusk. The open-concept living space showcases breathtaking bespoke features, including stained-wood coffered ceilings, a marble-surround fireplace, and wide-plank wood flooring. The gourmet kitchen is a chef's dream, featuring 6 burner gas stove, furniture

Cost to own

Mortgage calculator

Home Price

$2,965,000

Down Payment: 20%

$593,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$15,071

Principal & Interest: $15,071

Est. Taxes & Insurance: $3,768

Estimated Total Monthly

$18,838

*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$15,071

Property taxesest. at asking price, Nassau County$4,093

HOAbilled annually$672

Estimated total, before insurance$19,836/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: $2,195,000 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$2,434,949	$1,691,025	—
2024	$2,343,080	$1,642,660	▼ $352,713
2023	$1,643,359	$1,593,359	—
2022	$446,250	$446,250	—
2021	$446,250	$446,250	—
2020	$446,250	$446,250	—

2025 property taxes (current owner): $30,635/yr

Estimated taxes if purchased at asking price: ~$49,100/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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Metal — year not disclosed (home built 2022)

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

Solar potential: ~1,785 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

Apr 8, 2026Listed$2,965,000

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

Features

Price$2,965,000

Price / Sq Ft$917

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,235

Acres0.20 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address79 Old Well Road, Fernandina Beach, FL 32034

Area450-Amelia Island-North Of Burney Road

SubdivisionCrane Island

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size8,712 sq ft

Parcel Number192N28100000780000

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Jogging Path, Management - Full Time, Spa/Hot Tub

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewRiver

Interior

Interior FeaturesBuilt-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo