This home is in Fernandina Beach.
Active·56 days on market
85404 Burmeister Road
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Welcome to your private marsh-front retreat. Where space, upgrades, and unforgettable sunsets come together on 1.53 acres along the scenic marshes of Lofton Creek. This custom-built, recently updated home features a bright, open floor plan designed for both everyday living and effortless entertaining. Step outside to your two-tiered deck complete with a tiki hut and koi ponds, creating a true backyard oasis. Enjoy breathtaking sunset views from the upper deck overlooking the marsh! The fully fenced property offers exceptional versatility, including a 400 SF detached building with electric and water, perfect as a workshop, home office, or future guest/in-law suite! Inside, the home offers 4 bedrooms and 2 bathrooms, including a spacious primary suite with a walk-in closet and private ensuite. One of the bedrooms features custom built-in bookcases, ideal for a dedicated home office or flex space.
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, 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
Last sold: $549,900 in April 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $540,172 | $246,744 | — |
| 2024 | $528,392 | $239,083 | — |
| 2023 | $516,139 | $356,336 | — |
| 2022 | $394,501 | $344,501 | — |
| 2021 | $275,162 | $175,528 | — |
| 2020 | $246,727 | $159,101 | — |
2025 property taxes (current owner): $3,947/yr
Estimated taxes if purchased at asking price: ~$9,900/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 2003)
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: ~1,223 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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
Price & status history
- May 24, 2026Listed$600,000
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: VENTURE REALTY CO, LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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