95238 Fescue Drive

Fernandina Beach, FL 32034

$907,242$281/sqftEst. $4,664/moMLS# 2145264

Beds

Baths

3,234

Sq Ft

2026

Built

Garage

Pool

About this home

Amelia National

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: 6.66%

Loan Term

Monthly Payment

$4,664

Principal & Interest: $4,664

Property taxes (est.): $1,253

Insurance (est.): $605

Estimated Total Monthly

$6,521

*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$4,664

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

HOAbilled annually$81

Estimated total, before insurance$5,998/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.

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.