This home is in Fernandina Beach.

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Active

Active·58 days on market

95169 Catalina Drive

Fernandina Beach, FL 32034

$515,000$375/sqftEst. $2,741/moMLS# 2145861

Beds

Baths

1,375

Sq Ft

1989

Built

—

Garage

Pool

About this home

Fernandina Beach

Situated on 4.4 beautiful acres, this unique country property offers equestrian amenities, privacy, and convenience to Amelia Island. Built in 1989, the 2-story home features 1,375 sqft, 3 bedrooms, 1.5 bathrooms, fireplace, updated kitchen floors, updated primary shower, updated balcony, roof approximately 5 years old, water softener, and appliances including new dishwasher, new washer, dryer, stove/oven, microwave, and refrigerator. Equestrian amenities include a barn with concrete aisleway, 6 stalls made of cinderblock and wood, tack/utility stall, 2 air-conditioned rooms ideal for feed or tack storage, bathroom with shower, concrete wash area with hot/cold water, and 4-horse hot walker. Approx. 9,500 sqft round riding area with lights. Stalls feature auto-waterer setup, hay/feed doors, and barred windows. Additional features include partial perimeter fencing, storage shed, chicken pens, rabbit pen, citrus trees, garden area, and abundant deer and turkey.

Cost to own

Mortgage calculator

Home Price

$515,000

Down Payment: 20%

$103,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,601

Principal & Interest: $2,601

Est. Taxes & Insurance: $650

Estimated Total Monthly

$3,252

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$2,741

Property taxesest. at asking price, Nassau County$711

Estimated total, before insurance$3,452/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	$435,972	$120,726	—
2024	$354,525	$116,616	—
2023	$350,432	$111,763	—
2022	$251,513	$107,051	—
2021	$204,586	$102,477	—
2020	$169,372	$100,372	—

2025 property taxes (current owner): $2,013/yr

Estimated taxes if purchased at asking price: ~$8,500/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: Shingle — year not disclosed (home built 1989)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,578 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History