This home is in Fernandina Beach.
Sold·Closed Jul 17, 2026·11 days on market·Recent sales in Amelia Island
95016 Piney Island Court
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Nearly 2-acre Piney Island property! Tucked on a quiet cul-de-sac beneath lush, mature trees, this bright Mid-Century Modern home offers privacy and space surrounded by natural beauty. The expansive private backyard is a peaceful escape with room to relax, play, or entertain. Inside, the 3 BR/2.5 BA layout is light-filled and inviting, featuring a unique interior atrium--ideal for a playroom, herb garden, wellness space, or home office. Extensive 2017 updates include a new roof, vinyl plank flooring, cabinetry, 80-gallon hot water heater, and A/C with all-new ductwork. Experience the charm of this coastal welcoming neighborhood, celebrated for its strong sense of community--just minutes from exceptional dining, boutique shopping in historic downtown Fernandina Beach, and the pristine sandy shores of the Atlantic Ocean. Easy commute to Jacksonville or Georgia. Schedule your private showing today!
Next steps in Amelia Island
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, 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1981)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,577 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $509,885 | $312,044 | — |
| 2024 | $483,342 | $302,542 | — |
| 2023 | $443,624 | $292,274 | — |
| 2022 | $332,305 | $282,305 | — |
| 2021 | $300,512 | $269,739 | — |
| 2020 | $245,433 | $245,433 | — |
2025 property taxes (current owner): $4,980/yr
Estimated taxes if purchased at asking price: ~$7,600/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.
History
Price & status history
- Jul 20, 2026Closed$510,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $296/sq ft; this home is listed at $247/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96102 Piney Island Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Aug 2026 | $615,000 | $296 | 4/2 | 2,075 | 122 | 0.2 |
| 96276 Piney Island Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $592,000 | $263 | 3/2.5 | 2,251 | 111 | 0.4 |
| 96452 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $675,000 | $298 | 4/2 | 2,265 | 6 | 0.6 |
| 93028 Harbor Court, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Jul 2026 | $469,000 | $287 | 3/2 | 1,635 | 96 | 0.7 |
| 96184 Marsh Lakes Drive, Fernandina Beach, FL 32034Listed by SHRIMP CAPITAL REALTY | Aug 2026 | $1,528,000 | $582 | 3/3.5 | 2,624 | 16 | 1.1 |
| 96303 Otter Run Drive, Fernandina Beach, FL 32034Listed by JPAR CITY AND BEACH | Jul 2026 | $355,000 | $224 | 3/2 | 1,585 | 62 | 1.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Keep looking
Similar homes in Fernandina Beach
Explore the area
More in Amelia Island
Amelia Island guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 17, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines