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Active

Active·110 days on market

94153 Palm Circle Drive

Fernandina Beach, FL 32034

$1,035,000Est. $5,315/moMLS# 2143271

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Fernandina Beach

Rare offering of 2 lots being offered together with deep water frontage and 2 covered boat slips on a 4 slip shared dock. Located at the intersection of the Nassau River and Lofton Creek. Homesite consists of lots 11 and 12 totaling 4.34 acres with 1.02 acres of buildable area. A short boat ride to the Amelia River and Intracoastal Waterway. No home owners association or association fees. Water and electricity on shared dock. Dock is shared with 2 additional owners. Build your waterfront dream home on this exceptional property with private and tranquil setting. Convenient to the A1A corridor, beaches of Amelia Island, and a short drive to Jacksonville International Airport.

Cost to own

Mortgage calculator

Home Price

$1,035,000

Down Payment: 20%

$207,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$5,315

Principal & Interest: $5,315

Property taxes (est.): $1,429

Insurance (est.): $690

Estimated Total Monthly

$7,434

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.65% · 30yr$5,315

Property taxesest. at asking price, Nassau County$1,429

Estimated total, before insurance$6,744/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: material not specified

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,601 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

As of July 2026, this 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.

History