This home is in Fernandina Beach — a gated community home on Amelia Island.
Active Under Contract·78 days on market
95384 Captains Way
Fernandina Beach, FL 32034
About this home
Fernandina Beach
JAW-DROPPING GOLFSIDE NORTH LOCATION with FRONT-ROW FAIRWAY VIEWS and the BEACH JUST 5 MINUTES AWAY. Custom built to more modern building standards and DESIGNED TO WITHSTAND HURRICANE WINDS UP TO 150 MPH, this 3,110 SF home delivers the space, strength, and setting buyers want in one of Amelia Island's most in-demand gated Summer Beach communities. The layout is especially compelling: A SPACIOUS FIRST-FLOOR PRIMARY SUITE, GENEROUS MAIN LIVING AREAS, AND AN EASY FIRST-FLOOR LIFESTYLE where sweeping golf views are carried deep into the home. EXPANSIVE WINDOWS FRAME THE FAIRWAY FROM MULTIPLE ROOMS, giving daily life a calm, resort-like backdrop. THE KITCHEN IS BUILT FOR REAL LIVING AND ENTERTAINING WITH GAS COOKING, DOUBLE OVENS, EXPANSIVE STORAGE, A PANTRY, WINE CLOSET, and additional overflow storage in the spacious laundry room. Upstairs, TWO ENSUITE GUEST BEDROOMS EACH OFFER WALK-IN CLOSETS, WITH ONE BEDROOM ALSO FEATURING EXTRA SPACE IDEAL FOR AN OFFICE or sitting area. WITH 3
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 (that applies to the reference bill above too).
Cost to own
Taxes & assessment
2025 property taxes (current owner): $7,292/yr
Estimated taxes if purchased at asking price: ~$21,100/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, 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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 1998)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water (record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,576 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 August 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 18, 2026Listed$1,275,000
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: CENTURY 21 MILLER ELITE LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
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