This home is in Fernandina Beach.
Active·93 days on market
95111 Sea Hawk Place
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Nearly 3,000 sq ft of beautifully crafted new construction in a charming, established neighborhood with no HOA or CDD fees. Ideally located near the Intracoastal Waterway and just minutes from Fernandina Beach and Amelia Island beaches, dining, and entertainment. Thoughtfully designed with an open-concept layout, this home showcases luxury finishes throughout, including high-end materials, designer details, and quality craftsmanship. Enjoy a spacious three-car garage and an oversized .5-acre lot with ample room for a pool and entertaining space. Includes a comprehensive home warranty for added peace of mind--offering the perfect blend of modern living and coastal convenience. FINISHED PHOTOS ARE OF MODEL HOME. THIS HOME IS UNDER CONSTRUCTION.
Cost to own
Mortgage calculator
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, 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: $115,000 in September 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $125,000 | $104,500 | — |
| 2024 | $95,000 | $95,000 | — |
| 2023 | $80,000 | $42,871 | — |
| 2022 | $80,000 | $38,974 | — |
| 2021 | $52,000 | $35,431 | — |
| 2020 | $52,000 | $32,210 | — |
2025 property taxes (current owner): $1,731/yr
Estimated taxes if purchased at asking price: ~$14,100/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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: material not specified — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,359 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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 17, 2026Listed$849,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: SOUTHEAST ATLANTIC REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Expert
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines