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This home is in Fernandina Beach — a home near Fernandina Beach High School.

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Active

Active·130 days on market

96086 Sea Winds Drive

Fernandina Beach, FL 32034

$698,700$323/sqftEst. $3,592/moMLS# 2141265

Beds

Baths

2,165

Sq Ft

2003

Built

Garage

Pool

About this home

Fernandina Beach

1.9 driving miles to Atlantic Ocean • Amelia Island living • Full brick home • 11x33 conditioned air four-season room (363 sq ft) Centrally located on Amelia Island in Fernandina Beach, this one-owner custom brick home by Fred Arnett Builders offers 2,165 sq ft on an 85x135 fenced lot. Open-concept split floor plan with 10' ceilings in main living areas with tile flooring and large sliding glass doors. Spacious kitchen features custom oak cabinetry, breakfast bar, pantry, and stainless appliances. Primary suite includes trey ceiling, walk-in closet, dual vanities, garden tub, and walk-in shower with bench. Updates include roof (2019), HVAC (2016), water heater (2020), interior paint (2023), sump pump (2014) with alarm (2021). Low-E windows, R-14 wall insulation, and R-38 attic insulation. Fenced backyard with three gates, irrigation system, additional parking, and space for pool, RV, or boat. Minutes to historic downtown Fernandina Beach and Atlantic Ocean.

Cost to own

Mortgage calculator

Home Price

$698,700

Down Payment: 20%

$139,740

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,592

Principal & Interest: $3,592

Property taxes (est.): $965

Insurance (est.): $466

Estimated Total Monthly

$5,022

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$3,592

Property taxesest. at asking price, Nassau County$965

HOAbilled annually$10

Estimated total, before insurance$4,567/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,395/yr · $200/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, 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$474,669	$143,827	—
2024	$428,771	$139,066	—
2023	$329,294	$133,559	—
2022	$307,894	$128,213	—
2021	$247,285	$123,022	—
2020	$245,210	$120,633	—

2025 property taxes (current owner): $2,395/yr

Estimated taxes if purchased at asking price: ~$11,600/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,500 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 22, 2026Listed$698,700

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

Features

Price$698,700

Price / Sq Ft$323

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,165

Acres0.25 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address96086 Sea Winds Drive, Fernandina Beach, FL 32034

Area440-Fernandina Beach Downtown-South

SubdivisionSea Winds

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,890 sq ft

Lot Dimensions85 X 135

Parcel Number000030060800060000

Amenities

UtilitiesElectricity Connected, Sewer Available, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Garage, Washer Hookup