This home is in Fernandina Beach.

1 / 37

Active

Active·55 days on market

96227 River Marsh Bend

Fernandina Beach, FL 32034

$475,000$258/sqftEst. $2,414/moMLS# 2146951

Beds

Baths

1,840

Sq Ft

1991

Built

Garage

Pool

About this home

Fernandina Beach

Step beyond the front door and feel it immediately, that quiet, settled exhale that only a true marsh view can give you. Tucked at the end of River Marsh Bend on a full, private acre, this four-bedroom retreat invites you to slow down, breathe deeper, and reconnect with the rhythm of coastal Northeast Florida. Picture your mornings here, you pour the first cup of coffee, step onto the back porch, and the day begins exactly the way you've always imagined it would. Inside, four generous bedrooms offer space for guests, a home office, a studio, or simply more room to breathe. Like a quiet luxury in a market where lot sizes keep shrinking. The property itself is the real headline. A full acre backing to the marsh is something that rarely surrenders. You'll find room for the firepit, the garden, the boat trailer, the future pool, whatever your version of ''home'' looks like, this canvas is wide enough to hold it. Buyers searching River Marsh Bend, Hidden Marsh Lane, and the surrounding pocket

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,414

Principal & Interest: $2,414

Est. Taxes & Insurance: $604

Estimated Total Monthly

$3,018

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,414

Property taxesest. at asking price, Nassau County$656

Estimated total, before insurance$3,070/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

Last sold: $490,000 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$486,597	$435,875	—
2024	$444,832	$222,984	—
2023	$406,425	$215,033	—
2022	$368,322	$207,314	—
2021	$271,284	$199,819	—
2020	$256,198	$196,370	—

2025 property taxes (current owner): $6,851/yr

Estimated taxes if purchased at asking price: ~$7,900/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1991)

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: ~1,553 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

As 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