This home is in Fernandina Beach — a waterfront home in Nassau County.
Active·92 days on market
940454 Old Nassauville Road
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Custom-built waterfront home tucked beneath majestic oaks along the scenic waterways of Nassauville. Enjoy breathtaking sunrise views, afternoon sea breezes, and frequent sightings of dolphins, manatees, and coastal birds from your private dock and floating dock with water and electrical service. Designed for effortless indoor-outdoor living, the home features soaring ceilings, warm architectural details, a saltwater pool with electric heat pump, covered lanai, and outdoor fireplace. The chef's kitchen includes soft-close cabinetry, marble backsplash, propane cooking, and a dedicated dual 20-amp espresso bar circuit. The spacious primary suite offers an air-jetted soaking tub for a spa-like retreat. Additional features include a propane tankless water heater, generator prewire, ethernet access in every room, Mosquito Nix system, no HOA, and the home sits outside of a designated flood hazard zone.
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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • 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 (that applies to the reference bill above too).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $927,930 | $815,575 | — |
| 2024 | $843,621 | $791,882 | — |
| 2023 | $817,361 | $767,361 | — |
| 2022 | $177,360 | $177,360 | — |
| 2021 | $179,752 | $138,538 | — |
| 2020 | $144,944 | $125,944 | ▼ $30,056 |
2025 property taxes (current owner): $12,680/yr
Estimated taxes if purchased at asking price: ~$33,100/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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,338 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
- Jul 29, 2026Price change$1,999,999−$100,001
- May 29, 2026Listed$2,100,000
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: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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