This home is in Fernandina Beach — a home near Fernandina Beach High School.
Sold·Closed Sep 14, 2026·111 days on market·Recent sales in Amelia Island
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.
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.
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.
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.
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: ~$9,800/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
- Sep 14, 2026Closed$600,000
- Aug 25, 2026Pending$600,000
- 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.
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 $298/sq ft; this home is listed at $267/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95016 Piney Island Court, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2026 | $460,000 | $223 | 3/2.5 | 2,062 | 11 | 0.4 |
| 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 | 0.5 |
| 96452 Grande Oaks Lane, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2026 | $675,000 | $298 | 4/2 | 2,265 | 6 | 1 |
| 93028 Harbor Court, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Jul 2026 | $469,000 | $287 | 3/2 | 1,635 | 96 | 1 |
| 96184 Marsh Lakes Drive, Fernandina Beach, FL 32034Listed by SHRIMP CAPITAL REALTY | Aug 2026 | $1,528,000 | $582 | 3/3.5 | 2,624 | 16 | 1.3 |
| 96248 Light Wind Drive, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Sep 2026 | $950,000 | $365 | 4/2 | 2,600 | 17 | 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
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 through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 14, 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
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