This home is in Fernandina Beach.

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Active

Active·79 days on market

94028 Hemlock Court

Fernandina Beach, FL 32034

$698,500$276/sqftEst. $3,718/moMLS# 2142379

Beds

Baths

2,535

Sq Ft

2023

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to like-new luxury living in Amelia National Golf & Country Club! Built in 2023, this 3BR/3.5BA townhome features spacious bedrooms with private ensuite baths plus a first-floor guest bath. Enjoy an open layout with LVP flooring, stone countertops, and stainless appliances--truly move-in ready. Golf lovers will appreciate the newly renovated Tom Fazio-designed championship course, recently reopened after a multi-million dollar transformation. A separate golf cart garage adds convenience. Sellers are offering exceptional value by paying off the buyer's CDD balance AND covering the $45,000 golf membership initiation fee. Don't miss this opportunity to own in one of Nassau County's premier golf communities!

Cost to own

Mortgage calculator

Home Price

$698,500

Down Payment: 20%

$139,700

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,550

Principal & Interest: $3,550

Est. Taxes & Insurance: $888

Estimated Total Monthly

$4,438

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$3,718

Property taxesest. at asking price, Nassau County$964

HOAbilled annually$75

Estimated total, before insurance$4,757/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: $750,300 in September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$483,225	$452,372	▲ $2,228
2024	$460,247	$411,247	—
2023	$60,000	$60,000	—
2022	$60,000	$60,000	—
2021	$55,000	$42,350	—
2020	$45,000	$38,500	—

2026 property taxes (current owner): $8,819/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 F

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

Roof: material not specified — year not disclosed (home built 2023)

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: ~1,689 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