95238 Fescue Drive

Fernandina Beach, FL 32034

$907,242$281/sqftEst. $4,829/moMLS# 2145264

Beds

Baths

3,234

Sq Ft

2026

Built

Garage

Pool

About this home

Fernandina Beach

Step into the Brooklyn spacious 3,000+ sq ft, 4 bedrooms, 3.5 baths, and a 3-car garage. Open living and dining connect to a gourmet kitchen and covered lanai, while the main-floor primary suite and upstairs game room provide comfort and versatility. Perfect for family life and entertaining!

Cost to own

Mortgage calculator

Home Price

$907,242

Down Payment: 20%

$181,448

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,611

Principal & Interest: $4,611

Est. Taxes & Insurance: $1,153

Estimated Total Monthly

$5,764

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$4,829

Property taxesest. at asking price, Nassau County$1,252

HOAbilled annually$81

Estimated total, before insurance$6,163/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $7,893,600 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$130,000	$130,000	—
2024	$130,000	$130,000	▼ $35,000
2023	$13,527	$13,527	—

Estimated taxes if purchased at asking price: ~$15,000/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.