This home is in Fernandina Beach.

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Active Under Contract

Active Under Contract·75 days on market

92503 Shipton Lane

Fernandina Beach, FL 32034

$719,000$244/sqftEst. $3,827/moMLS# 2143102

Beds

Baths

2,950

Sq Ft

2023

Built

Garage

Pool

About this home

Fernandina Beach

RARE Kingsley Creek Home | NO CDD | POND VIEW | 3-CAR GARAGE | FIRST-FLOOR OWNER'S SUITE Welcome to this exceptional Kingsley Creek home offering NO CDD fees and serene private pond views. Designed for both luxury and functionality, the main level features wood-look tile throughout (NO carpet) and a bright open-concept layout. The spacious living area showcases a triple-stacking sliding glass door that opens to a large covered lanai, creating seamless indoor-outdoor living. The chef's kitchen is equipped with Café stainless steel appliances, a natural gas cooktop, built-in oven and microwave, quartz countertops, designer backsplash, and a reverse osmosis system. A convenient drop zone connects the kitchen to the epoxied THREE-car garage, complete with a water softener and TRANE whole-house generator. The FIRST-FLOOR OWNER'S SUITE provides a private retreat with a spa-like bath, soaking tub, zero-entry shower, and custom walk-in closet, while a dedicated home office or flex space sits

Cost to own

Mortgage calculator

Home Price

$719,000

Down Payment: 20%

$143,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,632

Principal & Interest: $3,632

Est. Taxes & Insurance: $908

Estimated Total Monthly

$4,540

*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$3,827

Property taxesest. at asking price, Nassau County$993

HOAbilled quarterly$128

Estimated total, before insurance$4,948/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: $658,800 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$584,717	$474,774	—
2024	$510,686	$460,686	—
2023	$75,000	$71,500	—
2022	$65,000	$65,000	—
2021	$24,241	$24,241	—

2025 property taxes (current owner): $7,448/yr

Estimated taxes if purchased at asking price: ~$11,900/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

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

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,782 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

May 1, 2026Listed$719,000

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

Features

Price$719,000

Price / Sq Ft$244

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,950

Acres0.30 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Traditional

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address92503 Shipton Lane, Fernandina Beach, FL 32034

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionKingsley

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size13,068 sq ft

Parcel Number392N28014100370000

ZoningPUD

Amenities

AmenitiesPool, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Covered, Garage, Garage Door Opener, On Street

ViewPond, Trees/Woods, Water

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level