This home is in Fernandina Beach.
Active·66 days on market
96133 Oyster Bay Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Luxury living in gated Oyster Bay, this beautiful, custom 3,000+ sq ft home combines style and sophistication with functional elegance. A mahogany entry door opens to 12' ceilings, hickory floors and a light-filled great room with gas fireplace, built-ins, and wet bar. The chef's kitchen features quartz counters, abundant cabinetry, a generous pantry and a range built into an oversized island - ideal for entertaining. All bedrooms offer private ensuite baths, with a flexible upstairs bedroom you may opt to use as a luxuriou guest suite or office. Triple sliders lead to a screened lanai overlooking a fenced nature lover's paradise with landscaped yard, fruit trees and lagoon views. There is a buried gas tank for the fireplace, tankless water heater, and grill bib. Community amenities include pool, playground, tennis & pickleball courts, and RV/boat storage. Optional yacht club membership. More than a place to live, its a lifestyle in most sought-after luxury communities.
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, 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
| 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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Your Local Expert
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines