Sold·Closed Jul 31, 2026·54 days on market
94273 Duck Lake Drive
Fernandina Beach, FL 32034
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
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.
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 — 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 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.
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.
History
Price & status history
- Aug 5, 2026Closed$150,000
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 $181/sq ft; this home is listed at $112/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95664 Springhill Road, Fernandina Beach, FL 32034Listed by FLORIDA REALTY INVESTMENTS | May 2025 | $282,000 | $181 | 3/2 | 1,560 | 265 | 1.8 |
| 95222 Dwight Drive, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | Aug 2025 | $285,000 | $168 | 2/2 | 1,695 | 4 | 2.1 |
| 95081 Wildwood Circle, Fernandina Beach, FL 32034Listed by COLDWELL BANKER ANABASIS REALTY | Sep 2026 | $305,000 | $215 | 3/2 | 1,418 | 84 | 2.3 |
| 95114 Gentry Lane, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2026 | $216,500 | $133 | 3/2 | 1,624 | 23 | 2.3 |
| 95478 Plum Loop, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | Jul 2026 | $240,000 | $214 | 2/1 | 1,120 | 72 | 2.4 |
| 85205 Wesley Road, Yulee, FL 32097Listed by KELLER WILLIAMS JACKSONVILLE | May 2026 | $265,000 | $155 | 3/2 | 1,708 | 0 | 2.6 |
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
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.
Keep looking
More homes in Holly Point
For Sale94114 Winterberry AvenueFernandina Beach, FL 32034
3 bd · 2 ba · 1,819 sq ft
$279,900Est. $1,490/mo**FENCED YARD**HUGE CORNER LOT**GREAT LOCATION** Welcome to an incredible opportunity! Nestled on an expansive corner…
Listing Office: chad and sandy real estate group
For Sale12257 Governors Drive EJacksonville, FL 32223
3 bd · 2 ba · 1,388 sq ft
$349,900Est. $1,862/moNEW HVAC AND WATER HEATER! With these major improvements being taken care of, this well maintained Mandarin home gives…
Listing Office: watson realty corp
For Sale94300 Duck Lake DriveFernandina Beach, FL 32034
3 bd · 2.5 ba · 2,099 sq ft
$475,000Est. $2,528/moDiscover the perfect blend of comfort, style, and customization in this pre-construction single-family home offering 3…
Listing Office: lpt realty llc
For Sale941842 Old Nassauville RoadFernandina Beach, FL 32034
4 bd · 3 ba · 2,190 sq ft
$569,000Est. $3,028/moNearly a FULL ACRE, an OVERSIZED 3-CAR GARAGE, and NO HOA or CDD fees make this Fernandina Beach home a rare find!…
Listing Office: southeast atlantic realty
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 31, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines