This home is in Fernandina Beach.

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Active

Active·53 days on market

941222 Old Nassauville Road

Fernandina Beach, FL 32034

$395,000$309/sqftEst. $2,102/moMLS# 2146890

Beds

Baths

1,280

Sq Ft

1980

Built

Garage

Pool

About this home

Fernandina Beach

A private 2-acre parcel off Old Nassauville Road, this 3 bedroom, 2 bath home offers space, flexibility, & endless potential. The property includes a large 2-car garage with extra storage or workspace, a very tall 3-car carport, a storage shed, & a pole barn, giving you room for equipment, hobbies,& all your toys. Inside, the home features a large living room with a fireplace 3 bedrooms, 2 baths &with 4 spacious sunrooms you'll have endless ways to use the space-gardening, office space, relaxing, or creative studios! The home currently uses four window units and will need new flooring & updated HVAC--either mini-splits or central heat & air--and has been priced accordingly. Located just minutes from the Goffinsville Boat Ramp, with no HOA it offers the freedom to park boats, RVs, trailers, or even add a pond or pool. With the ability to divide the land for two or three homes, this is a rare opportunity for someone looking to build, renovate, invest or create a private retreat.

Cost to own

Mortgage calculator

Home Price

$395,000

Down Payment: 20%

$79,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,995

Principal & Interest: $1,995

Est. Taxes & Insurance: $499

Estimated Total Monthly

$2,494

*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$2,102

Property taxesest. at asking price, Nassau County$545

Estimated total, before insurance$2,648/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	$388,006	$107,078	—
2024	$335,673	$103,212	—
2023	$328,556	$103,604	—
2022	$247,006	$99,130	—
2021	$201,507	$94,786	—
2020	$174,324	$92,787	▲ $6,865

2025 property taxes (current owner): $1,803/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: Metal — year not disclosed (home built 1980)

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: ~1,635 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