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 Amelia National, Fernandina Beach — a home near Yulee High School.

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Pending

Pending·109 days on market·Amelia National

95043 Poplar Way

Fernandina Beach, FL 32034

$569,000$237/sqftEst. $2,925/moMLS# 2144811

Beds

Baths

2,396

Sq Ft

2007

Built

Garage

Yes

Pool

About this home

Amelia National

Seller will replace roof with accepted offer! Live the resort lifestyle in this beautifully maintained 4 bedroom, 3 bathroom home located in the sought-after community of Amelia National. Step outside to your private backyard retreat featuring a saltwater pool with screened enclosure, paver deck, and lush landscaping designed for added privacy and relaxation. Inside, the spacious layout offers comfortable living and entertaining spaces with plenty of natural light throughout. Residents of Amelia National enjoy access to exceptional amenities including the renowned Tom Fazio golf course, private clubhouse, resort-style pool, tennis courts, fitness center, and more. Conveniently located just a short drive to Amelia Island beaches, shopping, dining, and Jacksonville, this home offers the perfect blend of luxury, comfort, and Florida living. Amelia National requires a Lifestyle Membership. Home includes a generator and plug in garage!

Cost to own

Mortgage calculator

Home Price

$569,000

Down Payment: 20%

$113,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,925

Principal & Interest: $2,925

Property taxes (est.): $786

Insurance (est.): $379

Estimated Total Monthly

$4,090

*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$2,925

Property taxesest. at asking price, Nassau County$786

HOAbilled annually$74

Estimated total, before insurance$3,785/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,766/yr · $397/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

Year	Market value	Taxable value	Change
2025	$574,762	$207,174	—
2024	$586,413	$200,628	—
2023	$600,333	$193,328	—
2022	$490,424	$186,241	—
2021	$359,318	$179,360	—
2020	$326,832	$176,193	▲ $11,474

2025 property taxes (current owner): $4,766/yr

Estimated taxes if purchased at asking price: ~$9,400/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 F

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

Roof: Shingle — year not disclosed (home built 2007)

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

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,700 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 18, 2026Pending$569,000
Aug 16, 2026Price change$569,000−$30,000
May 12, 2026Listed$599,000

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

Features

Price$569,000

Price / Sq Ft$237

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,396

Acres0.24 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water, Screen Enclosure

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address95043 Poplar Way, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia National

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,454.4 sq ft

Parcel Number262N28006A02010000

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Golf Course, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1