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This home is in Fernandina Beach.

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96233 MONTEGO BAY, Fernandina Beach, FL 32034

$799,000
MLS# 2142706
4
Bedrooms
2
Bathrooms
1,984
Sq Ft
2004
Year Built

About This Home — 96233 MONTEGO BAY

Move-in ready POOL home on Amelia Island, perfectly positioned, just minutes by bike or golf cart to the beach and historic downtown Fernandina can be used as short-term rental! Built in 2004 and meticulously maintained, this home checks every box for island living at any stage of life, and with a relaxed HOA and county taxes, it is approved for short-term rentals, making it an exceptional investment opportunity as well. The River-to-Sea Trail is right nearby, making the beach instantly more accessible. The bright, open living area features cherry laminate floors and flows seamlessly to your private backyard oasis, complete with a saltwater pool, built-in bench, refreshment table, and soothing fountain. The fully screened enclosure and fully fenced yard make it ideal for kids, pets, or simply relaxing in total privacy. Major systems have been updated including a new roof (2021), newer HVAC and water heater (according to previous homeowner), updated irrigation, and gutters

Features

Price$799,000
Price / Sq Ft$403
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,984
Acres0.22 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Fenced, Salt Water
Is WaterfrontNo

Community Information

Address96233 MONTEGO BAY, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionIsleworth
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size9,583.2 sq ft
Parcel Number000030031500530000

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
# of Stories1

Additional Information

Date ListedApril 30, 2026
Days on Market30
HOA Fees$523 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Mortgage Calculator

$799,000
$159,800
Loan Term
Monthly Payment
$4,253
Principal & Interest: $4,253
Est. Taxes & Insurance: $1,063
Estimated Total Monthly
$5,316
*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

Listing Courtesy of: FERNANDINA BEACH REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida