This home is in Oyster Bay Harbours, Fernandina Beach — a home near Fernandina Beach High School.
Sold·Closed Jun 18, 2026·4 days on market·Recent sales in Oyster Bay Harbours·Oyster Bay Harbours
96478 Soap Creek Drive
Fernandina Beach, FL 32034
2 more homes for sale in Oyster Bay Harbours →Search Oyster Bay Harbours on the map
About this home
Oyster Bay Harbours
River views and natural light define this coastal-style home in the gated Oyster Bay community. The main living area and primary bedroom both overlook the river/marsh, creating a calm, coastal feel throughout. Inside, the home offers light flooring, clean finishes, and an open layout that works well for everyday living. The primary suite includes a spacious bath with a freestanding tub and glass shower. Oyster Bay is know for its beautiful canopy of mature trees and offers a pool, clubhouse, tennis courts, pickleball, and walking trails, with optional access to the Yacht Club and Marina.
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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.
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Cost to own
Mortgage calculator
Cost to own
Taxes & assessment
Last sold: $875,000 in February 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,421,833 | $1,421,833 | — |
| 2024 | $1,350,993 | $1,350,993 | — |
| 2023 | $200,000 | $200,000 | — |
| 2022 | $200,000 | $192,500 | — |
| 2021 | $175,000 | $175,000 | — |
| 2020 | $200,000 | $188,229 | — |
Estimated taxes if purchased at asking price: ~$20,700/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.
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 $355/sq ft; this home is listed at $382/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96248 Light Wind Drive, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Sep 2026 | $950,000 | $365 | 4/2 | 2,600 | 17 | 0.2 |
| 96042 Lanceford Lane, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $900,000 | $304 | 4/4 | 2,957 | 85 | 0.5 |
| 95010 Pacific Isle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER THE AMELIA GROUP | Jul 2026 | $1,498,000 | $386 | 5/3.5 | 3,885 | 25 | 1.4 |
| 96112 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Sep 2026 | $569,990 | $205 | 6/4 | 2,782 | 383 | 1.6 |
| 96160 Pirates Bluff Road, Yulee, FL 32097Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $599,990 | $180 | 5/4 | 3,327 | 341 | 1.6 |
| 96266 Dowling Drive, Yulee, FL 32097Listed by SUMMER HOUSE REALTY | Jul 2026 | $1,310,000 | $355 | 6/5 | 3,687 | 5 | 1.6 |
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: FLORIDA HOMES REALTY & MTG LLC
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.
The neighborhood
About Oyster Bay Harbours
Oyster Bay Harbours is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
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More homes in Oyster Bay Harbours
For Sale96133 Oyster Bay DriveFernandina Beach, FL 32034
3 bd · 3.5 ba · 3,250 sq ft
$1,175,000Est. $6,254/moYour ultimate coastal retreat awaits in the premier gated community of Oyster Bay Harbour in Fernandina Beach. Enter…
Listing Office: keller williams southeastern partners
Pending96513 Soap Creek DriveFernandina Beach, FL 32034
3 bd · 3 ba · 2,404 sq ft
$959,000Est. $5,104/moDiscover the relaxed coastal lifestyle of Oyster Bay Harbour, one of Fernandina Beach's most sought after gated…
Listing Office: one sotheby's international realty
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 18, 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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines