This home is in Fernandina Beach.

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Active

Active·100 days on market

95494 Arbor Lane

Fernandina Beach, FL 32034

$1,455,000$458/sqftEst. $7,396/moMLS# 2139452

Beds

Baths

3,178

Sq Ft

2020

Built

Garage

Yes

Pool

About this home

Fernandina Beach

Stunning, Custom-made, 4-Car Garage, modern POOL home sitting on 2.5 acres in a desirable quiet neighborhood with NO HOA fees! No details overlooked in materials, quality and workmanship! Fenced for Privacy- This pool home features porcelain tiles throughout, modern kitchen with Bosch appliances, quartz countertops, spacious bedrooms, theatre screen with surround sound throughout the home, exquisite master bedroom bathroom suite! So many great features! Walk out to the screened pool with an outside kitchen and bar-b-que area, and modern gas fire pit - you'll love have family gatherings. Got lots of cars? You've got the space! 4-Car garage, RV parking with water hookup, and plenty of space for your boat as well. You'll find that this 2.5-acre property will fit all your needs. The video surveillance equipment will stay.

Cost to own

Mortgage calculator

Home Price

$1,455,000

Down Payment: 20%

$291,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$7,396

Principal & Interest: $7,396

Est. Taxes & Insurance: $1,849

Estimated Total Monthly

$9,244

*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$7,396

Property taxesest. at asking price, Nassau County$2,009

Estimated total, before insurance$9,404/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

Year	Market value	Taxable value	Change
2025	$1,315,680	$609,859	—
2024	$1,212,932	$591,964	—
2023	$1,175,124	$573,266	—
2022	$612,994	$518,362	—
2021	$513,859	$463,859	—
2020	$83,250	$83,250	—

2025 property taxes (current owner): $9,522/yr

Estimated taxes if purchased at asking price: ~$24,100/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 X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 2020)

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

Solar potential: ~1,507 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 10, 2026Listed$1,455,000

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

Features

Price$1,455,000

Price / Sq Ft$458

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,178

Total Structure Area5,045 sq ft

Acres2.49 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages4

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated

Is WaterfrontNo

Direction FacesSouthwest

Community Information

Address95494 Arbor Lane, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionRainbow Acres

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size108,464.4 sq ft

Parcel Number442N28521000060000

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected

SewerSeptic Tank

Water SourceWell

ParkingCircular Driveway, Garage, RV Access/Parking, Other

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

Security24 Hour Security, Security System Owned

Spa FeaturesIn Ground, Heated