This home is in Fernandina Beach.

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Active·65 days on market

95109 Gladiolus Place

Fernandina Beach, FL 32034

$389,900$227/sqftEst. $1,982/moMLS# 2145431

Beds

Baths

1,716

Sq Ft

2018

Built

Garage

Pool

About this home

Fernandina Beach

Welcome home to 95109 Gladiolus Place! This stunning, move-in-ready 4-bedroom, 2-bathroom home offers modern, effortless living in a highly desirable Fernandina Beach community. Step inside to a bright, open-concept floor plan designed for entertaining. Beautiful, continuous vinyl flooring flows seamlessly throughout the main living spaces and all bedrooms! The heart of the home is the chef-inspired kitchen, boasting a massive curved center island with breakfast bar seating, rich espresso cabinetry, a pantry, and a full suite of stainless steel appliances. The kitchen overlooks a spacious living room and an adjoining sunlit dining area with sliding glass doors that lead straight to your backyard. The generous primary suite is a true private retreat, offering a luxurious en-suite bathroom complete with a dual-sink vanity, a large soaking tub, and a separate glass-enclosed walk-in shower with custom tile surround. Additional features include a spacious attached 2-car garage, modern

Cost to own

Mortgage calculator

Home Price

$389,900

Down Payment: 20%

$77,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,982

Principal & Interest: $1,982

Est. Taxes & Insurance: $495

Estimated Total Monthly

$2,477

*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 · 6.55% · 30yr$1,982

Property taxesest. at asking price, Nassau County$538

HOAbilled annually$10

Estimated total, before insurance$2,530/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

Year	Market value	Taxable value	Change
2025	$333,323	$333,323	—
2024	$312,268	$312,268	—
2023	$301,734	$301,734	—
2022	$279,403	$279,403	—
2021	$211,288	$211,288	—
2020	$196,246	$196,246	—

2025 property taxes (current owner): $6,283/yr

Estimated taxes if purchased at asking price: ~$6,500/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 — 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 D

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

Roof: material not specified — year not disclosed (home built 2018)

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

Solar potential: ~1,755 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