This home is in Fernandina Beach.
Active·91 days on market
23699 Bahama Point 1126
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Discover this bright and beautifully maintained second-floor condo in the private, desirable gated community of Amelia Lakes. This 1,176 sq ft home offers peaceful lakefront views from every window, overlooking a serene 16-acre spring-fed lake.Very clean and freshly renovated, this move-in ready unit features an open living and dining area filled with natural light, an updated kitchen with granite counters , a spacious primary suite with walk-in closet and ensuite bathroom, and a comfortable guest bedroom with its own full bath. You'll also enjoy luxury vinyl plank flooring throughout, generous storage, an in-unit washer and dryer, and a private balcony perfect for relaxing with lake views. Resort-style amenities include a gated entry, community pool, fitness center, tennis courts, and clubhouse. Located in a quiet section of Amelia Lakes, it's conveniently close to Amelia Island beaches, historic downtown Fernandina Beach, shopping, and dining. Don't miss out on this property!
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, 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
Last sold: $250,000 in April 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $226,440 | $226,440 | — |
| 2024 | $222,000 | $222,000 | — |
| 2023 | $206,000 | $206,000 | — |
| 2022 | $171,000 | $25,000 | — |
| 2021 | $137,000 | $25,000 | — |
| 2020 | $132,000 | $25,000 | — |
2025 property taxes (current owner): $3,476/yr
Estimated taxes if purchased at asking price: ~$4,100/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 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 F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: Shingle — year not disclosed (home built 2000)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA Multi Family - Water/Sewer
County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,727 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 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 23, 2026Listed$249,999
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: DJ & LINDSEY REAL ESTATE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines