This home is in Fernandina Beach.

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Active

Active·45 days on market

85073 Bostick Wood Drive

Fernandina Beach, FL 32034

$634,999$181/sqftEst. $3,228/moMLS# 2147093

Beds

Baths

3,509

Sq Ft

2016

Built

Garage

Pool

About this home

Fernandina Beach

**UPDATED**GOLF COMMUNITY**PRESERVE VIEW** Welcome home to this stunning 5 bed/3 bath property in Fernandina Beach's highly coveted North Hampton community! Graceful wood stairs meet you in the foyer, showcasing UPGRADED FLOORING and thoughtfully curated details throughout like crown molding, accent walls, and elegant round archways. The home offers two living room spaces, including a huge main living room, plus a breakfast nook and dining room. The kitchen features a large kitchen island, top of the line appliances, stylish backsplash, trash and pot drawers, a large pantry, granite counters, and beautiful cabinetry. Downstairs includes a bedroom great for a guest suite, while upstairs boasts a versatile BONUS ROOM and a HUGE PRIMARY SUITE with his and hers walk-in closets. Enjoy a 3 car garage, tons of STORAGE space, and a FENCED-IN BACKYARD that backs up to a preserve for peaceful views. Plus, enjoy NO CDD and access to incredible RESORT STYLE AMENITIES like a pool, golf club

Cost to own

Mortgage calculator

Home Price

$634,999

Down Payment: 20%

$127,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,228

Principal & Interest: $3,228

Property taxes (est.): $877

Insurance (est.): $423

Estimated Total Monthly

$4,528

*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$3,228

Property taxesest. at asking price, Nassau County$877

HOAbilled semi-annually$437

Estimated total, before insurance$4,542/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	$690,692	$632,719	—
2024	$664,180	$614,180	—
2023	$640,540	$557,096	—
2022	$506,451	$506,451	—
2021	$392,310	$289,319	—
2020	$352,708	$284,634	—

2025 property taxes (current owner): $9,873/yr

Estimated taxes if purchased at asking price: ~$10,500/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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,691 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

Price & status history

Jun 5, 2026Listed$634,999

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$634,999

Price / Sq Ft$181

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,509

Acres0.17 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address85073 Bostick Wood Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size7,405.2 sq ft

Lot Dimensions65 x 115

Parcel Number122N27146002850000

ZoningResidential

Amenities

AmenitiesPool, Boat Dock, Children's Pool, Clubhouse, Golf Course, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Off Street

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)