This home is in Fernandina Beach.
Active·74 days on market
96276 Piney Island Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Nestled beneath a canopy of majestic live oaks and surrounded by the peaceful beauty of nature, this Donna Lynne custom-built residence in Little Piney Island offers an exceptional opportunity for buyers seeking privacy, character, and the chance to personalize a custom home in an unforgettable setting. Privately situated on .57 acres, the property feels wonderfully secluded, with the home thoughtfully tucked into its natural surroundings for exceptional privacy and tranquility. The expansive windows and dramatic floor-to-ceiling stone fireplace anchor the spacious living area, while the front porch, wrap around screen porch, the deck and additional outdoor living spaces invite you to relax beneath the trees and enjoy the surrounding natural landscape. Wonderful flow and many entertaining spaces! The home's distinctive design blends beautifully with the wooded setting, creating a peaceful atmosphere that feels worlds away while remaining close to everything Amelia Island has to offer.
Cost to own
Mortgage calculator
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, 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 | $557,258 | $210,025 | — |
| 2024 | $528,799 | $203,398 | — |
| 2023 | $487,312 | $196,017 | — |
| 2022 | $363,606 | $188,851 | — |
| 2021 | $340,904 | $181,894 | — |
| 2020 | $311,665 | $178,692 | — |
Estimated taxes if purchased at asking price: ~$9,900/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 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: Shingle — year not disclosed (home built 2000)
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: ~1,716 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 homeAs 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
Price & status history
- Jul 16, 2026Active$600,000
- May 6, 2026Listed$600,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in Fernandina Beach
Active$549,000MLS# 2146209Est. $2,922/mo95408 Woodbridge Parkway, Fernandina Beach, FL 320345 Beds3 Baths2,640 sqftResidentialBEYCOME OF FLORIDA LLC
Active$624,900MLS# 2147882Est. $3,326/mo95045 Bermuda Drive, Fernandina Beach, FL 320343 Beds2 Baths2,371 sqftResidentialONE SOTHEBY'S INTERNATIONAL REALTY
Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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