Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a home near Yulee High School.

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Active

Active·112 days on market

85148 Poplar Breeze Way

Fernandina Beach, FL 32034

$649,900$244/sqftEst. $3,341/moMLS# 2144184

Beds

Baths

2,660

Sq Ft

2022

Built

Garage

Yes

Pool

About this home

Fernandina Beach

Like-new SALTWATER POOL home with magazine-worthy custom interiors, spectacular wooded views, and an incredible vibe throughout! First year CDD fees PAID by seller! The highly sought-after Medallion floorplan offers an open-concept design with split bedrooms for added privacy, a versatile flex room, and a gourmet kitchen overlooking the main living spaces, perfect for entertaining. The stunning kitchen features quartz countertops, white cabinetry, a massive center island, double ovens, and upgraded finishes throughout. You'll love the soaring ceilings, abundant natural light, tile flooring throughout, designer fixtures, and custom details at every turn. This MUST SEE private owner's suite is tucked away in the back of the home and showcases incredible custom trim work, a statement fireplace, spa-like ensuite bath with separate vanities, and custom built-ins in the oversized walk-in closet. A separate guest suite with its own full bath offers ideal potential for in-law or

Cost to own

Mortgage calculator

Home Price

$649,900

Down Payment: 20%

$129,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,341

Principal & Interest: $3,341

Property taxes (est.): $897

Insurance (est.): $433

Estimated Total Monthly

$4,672

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,341

Property taxesest. at asking price, Nassau County$897

HOAbilled annually$7

Estimated total, before insurance$4,245/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,887/yr · $324/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $501,100 in January 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$486,667	$0	—
2024	$471,619	$0	—
2023	$404,250	$404,250	—
2022	$65,000	$65,000	—
2021	$40,000	$40,000	—

2025 property taxes (current owner): $3,887/yr

Estimated taxes if purchased at asking price: ~$10,800/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.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,737 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

Price & status history

Aug 10, 2026Price change$649,900−$9,100
May 8, 2026Listed$659,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$649,900

Price / Sq Ft$244

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,660

Acres0.34 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address85148 Poplar Breeze Way, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia Walk

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size14,810.4 sq ft

Parcel Number132N27072400350000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Spa FeaturesCommunity, Private