This home is in Fernandina Beach.

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Pending

Pending·73 days on market

96303 Otter Run Drive

Fernandina Beach, FL 32034

$355,000$224/sqftEst. $1,889/moMLS# 2143257

Beds

Baths

1,585

Sq Ft

1993

Built

Garage

Yes

Pool

About this home

Fernandina Beach

POOL Home less than a mile from Amelia Island....This INGROUND Large Concrete Pool Home awaits its new owners just in time for SUMMER...Hot summer days spent by the pool or spa & the barbeque. This beautiful brick front Pool Home sits on 1/3 of an acre with a fully fenced back yard. This 3-bedroom, 2 bath quaint home is waiting for its perfect family. This home features a breakfast eating area, formal dining room, large spacious family room with wood burning fireplace, indoor laundry room, 2 car garage, front porch & a large concrete pool deck. The Master Bedroom features French Doors leading to the pool area, as well as a walk-in closet and the Master Bath features a tiled walk-in shower. Home is wired for a Generator. New front door being installed. Fireplace box being replaced. Pool is being shocked & treated. Homes interior recently painted.

Cost to own

Mortgage calculator

Home Price

$355,000

Down Payment: 20%

$71,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,793

Principal & Interest: $1,793

Est. Taxes & Insurance: $448

Estimated Total Monthly

$2,242

*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$1,889

Property taxesest. at asking price, Nassau County$490

HOAbilled semi-annually$30

Estimated total, before insurance$2,410/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

Year	Market value	Taxable value	Change
2025	$340,528	$297,278	—
2024	$312,708	$270,253	—
2023	$293,908	$245,685	—
2022	$251,872	$223,350	—
2021	$203,045	$203,045	—
2020	$191,948	$191,948	—

2025 property taxes (current owner): $4,831/yr

Estimated taxes if purchased at asking price: ~$5,900/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.

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: Shingle — year not disclosed (home built 1993)

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

Solar potential: ~1,628 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.

Features

Price$355,000

Price / Sq Ft$224

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,585

Total Structure Area32,021 sq ft

Acres0.31 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontNo

Direction FacesEast

Community Information

Address96303 Otter Run Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionMetes & Bounds

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size13,503.6 sq ft

Parcel Number402N28159000190000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPool

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom - Tub with Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate, Stone

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

Spa FeaturesIn Ground