94903 Fescue Drive

Fernandina Beach, FL 32034

$1,227,075$379/sqftEst. $6,237/moMLS# 2146396

Beds

Baths

3,235

Sq Ft

2026

Built

Garage

Pool

About this home

Fernandina Beach

Experience elevated living in the Egret V--over 3,000 sq ft with 4 bedrooms, 3 baths, and stunning open-concept spaces. Enjoy a gourmet kitchen, expansive living area, and covered lanai made for unforgettable entertaining. Retreat to a private owner's suite featuring a spa-inspired bath and spacious walk-in closets. Designed for comfort, style, and your personal touch,, homes like this don't last... schedule your showing today before someone else claims it.

Cost to own

Mortgage calculator

Home Price

$1,227,075

Down Payment: 20%

$245,415

Interest Rate: 6.55%

Loan Term

Monthly Payment

$6,237

Principal & Interest: $6,237

Property taxes (est.): $1,694

Insurance (est.): $818

Estimated Total Monthly

$8,749

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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$6,237

Property taxesest. at asking price, Nassau County$1,694

HOAbilled annually$81

Estimated total, before insurance$8,012/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,769 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

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.