This home is in Fernandina Beach — a gated community home on Amelia Island.
Active·110 days on market
96133 Oyster Bay Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Luxury living awaits in gated Oyster Bay! This custom 3,000+ sq. ft. home blends timeless style with everyday functionality. Inside, you'll find 12' ceilings, hickory floors, a light-filled great room with gas fireplace, built-ins, wet bar, and a chef's kitchen featuring quartz countertops, abundant cabinetry, a walk-in pantry, and an oversized island. The flexible floor plan includes two first-floor ensuite bedrooms, including the primary suite, making it ideal for multigenerational living. Upstairs, a spacious flex room with a private ensuite bath and large walk-in closet is perfect as a guest suite, media room, office, or additional living space. Every bedroom offers its own ensuite bath. Triple sliders open to a screened lanai overlooking a fenced backyard with fruit trees and peaceful lagoon views. Community amenities include a pool, tennis, pickleball, playground, RV/boat storage, and optional yacht club membership.
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $996,273 | $497,542 | — |
| 2024 | $956,296 | $482,812 | — |
| 2023 | $790,404 | $467,293 | — |
| 2022 | $642,594 | $452,226 | — |
| 2021 | $492,179 | $437,598 | — |
| 2020 | $483,768 | $430,866 | — |
Estimated taxes if purchased at asking price: ~$19,500/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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,526 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 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 14, 2026Listed$1,175,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines