This home is in Fernandina Beach.

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Pending

Pending·40 days on market

94273 Duck Lake Drive

Fernandina Beach, FL 32034

$150,000$112/sqftEst. $798/moMLS# 2140219

Beds

Baths

1,344

Sq Ft

1989

Built

Garage

Pool

About this home

Fernandina Beach

Horton Summit Home is located on 0.45 acres with chain-link boundary fencing & gated entrance for additional privacy! Detached 2 car concrete block garage / workshop in rear of property. 3 bedroom 2 full bath with bonus room located aside of Living room, open concept Living/Dining area. Gas stove in kitchen. Roof is 9 years old with one time only transferable warranty. Pump house added last year. Train AC unit installed 2011. Newer washer and dryer convey. Close to Goffinsville & Holly Point for launching a boat, fishing or enjoying the park like settings. High demand for rental properties in this area.

Cost to own

Mortgage calculator

Home Price

$150,000

Down Payment: 20%

$30,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$758

Principal & Interest: $758

Est. Taxes & Insurance: $189

Estimated Total Monthly

$947

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$798

Property taxesest. at asking price, Nassau County$207

Estimated total, before insurance$1,005/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	$123,406	$10,346	—
2024	$113,801	$9,209	—
2023	$86,600	$8,067	—
2022	$61,377	$6,958	—
2021	$55,492	$5,882	—
2020	$46,800	$5,387	—

Estimated taxes if purchased at asking price: ~$2,500/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 1989)

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

Solar potential: ~1,551 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

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.