This home is in Summer Beach, Fernandina Beach.
Active·159 days on market·Summer Beach
95984 Mimosa Drive
Fernandina Beach, FL 32034
3 more homes for sale in Summer Beach →Search Summer Beach on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Summer 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
Next steps in Summer Beach
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.
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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach access
Dune Walk 105about 0.4 mi
Closest park or preserve
Big Talbot Island State Parkabout 5 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 5 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 6 mi · Egan's Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 10 mi · Baseball, Football, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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: ~$11,000/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 16, 2026Price change$665,000−$1,000
- Sep 15, 2026Price change$666,000−$9,000
- May 11, 2026Listed$675,000
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 $442/sq ft; this home is listed at $489/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1428 Plantation Oaks Lane, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $742,000 | $442 | 3/2 | 1,678 | 2 | 0.3 |
| 1580 Ian Drive, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Sep 2025 | $475,000 | $485 | 2/2 | 980 | 215 | 0.4 |
| 4634 Whimbrel Lane, Fernandina Beach, FL 32034Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $530,000 | $427 | 4/2 | 1,242 | 106 | 0.9 |
| 1347 Autumn, Fernandina Beach, FL 32034Listed by HI | Apr 2026 | $652,500 | $413 | 3/2 | 1,580 | 111 | 1.2 |
| 3520 1st Avenue, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jun 2026 | $750,000 | $533 | 3/2.5 | 1,406 | 49 | 2.4 |
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
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS
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.
The neighborhood
About Summer Beach
Summer Beach is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
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Krista Fracke
Broker Associate
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