Sold·Closed Jul 22, 2026·72 days on market
95478 Plum Loop
Fernandina Beach, FL 32034
About this home
Fernandina Beach
One-of-a-kind home! This 2 bed, 1 bathroom cottage includes a bonus room with a magnificent stained glass window. This room could be used as an office or an additional bedroom. Walk up the stairs to a cozy loft for additional storage. This 1-1/2 story, wood-framed home sits on just over an acre. Drive through on the circular driveway. Included are several sheds, two with electricity. New appliances include a new stove, refrigerator, toilet and washer in 2025. Five impact resistant windows were installed in 2024. The roof was replaced in 2019. There is a private well with a water softener and a private septic system. A little elbow grease will go a long way in making this home your own. Come live out in the country with no HOA or CDD fees, but close to all the stores in Yulee. Goffinsville Park, boat launch and fishing pier are close by and the beach is just over the bridge. This is not a perfect house, but it might be your perfect home! RE agent owned. Sold as-is.
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: Shingle — 2019 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,595 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $200,528 | $49,568 | — |
| 2024 | $171,884 | $47,464 | — |
| 2023 | $167,436 | $44,625 | — |
| 2022 | $127,767 | $41,869 | — |
| 2021 | $102,575 | $39,193 | — |
| 2020 | $87,962 | $37,962 | — |
2025 property taxes (current owner): $920/yr
Estimated taxes if purchased at asking price: ~$4,000/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.
History
Price & status history
- Jul 23, 2026Closed$260,000
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 $215/sq ft; this home is listed at $232/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95081 Wildwood Circle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER ANABASIS REALTY | Sep 2026 | $305,000 | $215 | 3/2 | 1,418 | 84 | 0.2 |
| 942235 Old Nassauville Road, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | Jun 2026 | $240,000 | $202 | 3/2 | 1,188 | 5 | 1.6 |
| 85045 Lonnie Crews Road, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Jun 2026 | $222,000 | $240 | 2/2 | 924 | 53 | 2.1 |
| 95408 Clements Road, Fernandina Beach, FL 32034Listed by SHRIMP CAPITAL REALTY | May 2026 | $175,000 | $182 | 2/1 | 960 | 1 | 2.1 |
| 942611 Old Nassauville Road, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS SOUTHEASTERN PARTNERS | Aug 2026 | $379,000 | $265 | 3/1.5 | 1,429 | 0 | 2.4 |
| 94273 Duck Lake Drive, Fernandina Beach, FL 32034Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $153,100 | $114 | 3/2 | 1,344 | 54 | 2.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PALM III REALTY AND PROPERTY M
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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Krista Fracke
Broker Associate
This home sold on Jul 22, 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.
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