This home is in Fernandina Beach.

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Pending

Pending·97 days on market

95136 Golden Glow Drive

Fernandina Beach, FL 32034

$865,000$335/sqftEst. $4,604/moMLS# 2139337

Beds

Baths

2,584

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

Stunning home located within Amelia National, a coveted resort style neighborhood, offering an unparalleled lifestyle surrounded by luxury amenities. Set on a larger lot, this home offers beautiful landscaping and a large pond view providing privacy in a calm serene environment. If you are considering new construction, you might want to see this home first. Many of the costly upgrades and after closing add on features have already been completed and with impeccable taste. Custom made drapes, custom lighting, custom closets in every room as well as the pantry, garage floor epoxy coating, extended screened paver lanai, upgraded crown molding and more. This open floor plan home with high ceilings throughout features a gourmet style kitchen with quartz countertops, double stacked cabinets, double ovens and a large island for seating and entertaining. Wood look upgraded tile flooring throughout except for secondary bedrooms, natural light streaming in from an abundance of windows and an

Cost to own

Mortgage calculator

Home Price

$865,000

Down Payment: 20%

$173,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,397

Principal & Interest: $4,397

Est. Taxes & Insurance: $1,099

Estimated Total Monthly

$5,496

*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 · 7.0% · 30yr$4,604

Property taxesest. at asking price, Nassau County$1,194

HOAbilled annually$81

Estimated total, before insurance$5,879/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: $592,400 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$654,474	$478,154	—
2024	$661,806	$463,971	—
2023	$572,702	$441,865	—
2022	$100,000	$100,000	—
2021	$25,643	$25,643	—

2025 property taxes (current owner): $7,994/yr

Estimated taxes if purchased at asking price: ~$14,300/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.

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 2022)

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

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.