This home is in Fernandina Beach.
Active·109 days on market
95984 Mimosa Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Immaculately kept and fully furnished, this turnkey single-story home features the highly sought-after Cindi floor plan and is perfectly positioned between the The Ritz-Carlton, Amelia Island and Omni Amelia Island Resort, just moments from the ocean, fine dining, and casual island eateries. This 2BR/2BA home offers 1,360 sq ft of modern coastal living with high ceilings, ample storage, luxury vinyl plank flooring throughout, quartz countertop and an open-concept layout designed for easy living and entertaining. The spacious gourmet kitchen features stainless steel appliances, a center island, and a 5-ring gas stovetop with a bright, airy flow into the main living areas. Relax on the private screened porch or enjoy the nearby community pool within this premier gated community. Additional features include turf in the rear yard, a screened garage door, and handicap-accessible features for added comfort and convenience. Ideal for full-time living, a second home, or investment opportunity
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, 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: $435,800 in June 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $587,338 | $367,164 | — |
| 2024 | $451,797 | $355,968 | — |
| 2023 | $398,998 | $343,998 | — |
| 2022 | $115,000 | $115,000 | — |
| 2021 | $53,017 | $53,017 | — |
2025 property taxes (current owner): $5,867/yr
Estimated taxes if purchased at asking price: ~$11,200/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 B
Zone B evacuates after zone A in an approaching storm.
Roof: material not specified — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,447 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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
- May 11, 2026Listed$675,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines