This home is in Fernandina Beach.
Pending·82 days on market
95408 Clements Road
Fernandina Beach, FL 32034
About this home
Fernandina Beach
This 1930's home needs some love! On nearly 1/2 acre lot, surrounded by large trees and horse farms, this house has Home-Sweet-Home potential! Located in the Fernandina Beach school district, only 10 minutes from the beach and 4 minutes to Amelia Island. No HOA. Located in the county (not in city limits) so vacation rentals ARE allowed. Walk this property at your own risk. Home is being sold AS-IS with no repairs being offered.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $183,136 | $29,764 | — |
| 2024 | $158,644 | $28,218 | — |
| 2023 | $153,938 | $25,940 | — |
| 2022 | $118,534 | $25,000 | — |
| 2021 | $95,023 | $25,000 | — |
| 2020 | $82,070 | $25,000 | — |
2025 property taxes (current owner): $616/yr
Estimated taxes if purchased at asking price: ~$3,300/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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Metal — year not disclosed (home built 1930)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,533 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 homeThis 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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SHRIMP CAPITAL REALTY
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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