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This home is in Fernandina Beach.

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96180 MONTEGO BAY, Fernandina Beach, FL 32034

$625,000
MLS# 2147366
3
Bedrooms
2
Bathrooms
1,649
Sq Ft
2004
Year Built

About This Home — 96180 MONTEGO BAY

Located in the quiet Islesworth subdivision of Fernandina Beach/Amelia Island, this well-maintained 3-bedroom, 2-bathroom home offers practical living in a prime location. Spanning a functional floor plan, the interior features a bright living area, a functional kitchen with solid counter space, and a private primary bedroom with an en-suite bath. Step outside to a spacious backyard, perfect for pets, children, or outdoor dining. The property also includes a two-car garage with plenty of room for vehicles and extra storage. Islesworth residents enjoy low HOA fees and a highly accessible location. You are just a short drive from Amelia Island's 13 miles of public beaches, the shops and dining of historic downtown Fernandina Beach, and highly-rated local schools. With easy access to major roadways, the commute to Jacksonville International Airport is under 45 minutes. Perfect as a primary residence or a low-maintenance investment property.

Features

Price$625,000
Price / Sq Ft$379
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,649
Acres0.20 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address96180 MONTEGO BAY, Fernandina Beach, FL 32034
Area450-Amelia Island-North Of Burney Road
SubdivisionIsleworth
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size8,712 sq ft
Parcel Number000030031500230000

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage Door Opener
ViewPond, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne

Exterior

Patio / PorchRear Porch, Screened
RoofShingle
Road SurfacePaved

Additional Information

Date ListedMay 28, 2026
Days on Market9
HOA Fees$523 / Monthly
HOA FrequencyMonthly
Tax Amount$2,758.15
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Mortgage Calculator

$625,000
$125,000
Loan Term
Monthly Payment
$3,327
Principal & Interest: $3,327
Est. Taxes & Insurance: $832
Estimated Total Monthly
$4,158
*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida