This home is in Fernandina Beach.

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Active Under Contract

Active Under Contract·79 days on market

85269 Shinnecock Hills Drive

Fernandina Beach, FL 32034

$815,000$296/sqftEst. $4,338/moMLS# 2142112

Beds

Baths

2,753

Sq Ft

2003

Built

Garage

Yes

Pool

About this home

Fernandina Beach

Explore 3D tour... #FernandinaFinest is a rare blend of elegance and outdoor excellence in desirable golf setting. This 5-BR, 3-bath, 3-car garage delivers a resort lifestyle. Special mood created by stone pavers, screened enclosure and beautifully finished hardscape backyard. Grand interior and refined w/ 12-ft ceilings, gourmet kitchen and spacious living areas designed for comfort and elevated entertaining. Next level primary suite life featuring an extra-large steam shower to bring a spa right into daily routine. Stepping outside only gets better. Enjoy the jacuzzi spill to luxury pool and backyard edible oasis. A stunning 6-raised garden beds make this property a private retreat built for wellness, relaxation, and memorable gatherings. Don't wait, homes with this level of outdoor living and luxury features move quickly. Schedule your showing today. Special people choose luxury. *Professionally enhanced images.

Cost to own

Mortgage calculator

Home Price

$815,000

Down Payment: 20%

$163,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,117

Principal & Interest: $4,117

Est. Taxes & Insurance: $1,029

Estimated Total Monthly

$5,146

*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$4,338

Property taxesest. at asking price, Nassau County$1,125

HOAbilled semi-annually$219

Estimated total, before insurance$5,682/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

Last sold: $529,000 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$623,599	$391,017	—
2024	$578,428	$352,076	—
2023	$509,642	$289,579	—
2022	$398,479	$398,479	—
2021	$294,163	$172,345	—
2020	$285,027	$169,275	—

Estimated taxes if purchased at asking price: ~$13,500/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.

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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 2003)

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

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

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: ~1,739 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.

History

Price & status history

Jul 13, 2026Active Under Contract$815,000
Apr 27, 2026Listed$815,000

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

Features

Price$815,000

Price / Sq Ft$296

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,753

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Screen Enclosure, Waterfall

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address85269 Shinnecock Hills Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Parcel Number122N27146001980000

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Clubhouse, Golf Course, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Off Street, On Street

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Electric Cooktop

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

Spa FeaturesHeated