This home is in Fernandina Beach.

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Active

Active·48 days on market

95233 Terri'S Way

Fernandina Beach, FL 32034

$409,990$236/sqftEst. $2,084/moMLS# 2148015

Beds

Baths

1,734

Sq Ft

2023

Built

Garage

Pool

About this home

Fernandina Beach

Beautifully maintained home offering the convenience of single-level living and a desirable open-concept floor plan. The main living areas feature durable luxury vinyl plank (LVP) flooring, while the bedrooms provide the comfort of carpeting. Well-appointed kitchen is designed for both everyday living and entertaining, showcasing quartz countertops, tile backsplash, stainless steel double ovens, and a large center island with ample workspace and seating. The inviting living room features a striking shiplap accent wall with an electric fireplace, creating a warm and welcoming focal point. Primary suite, complete with tub, separate shower, double sinks and large walk in closet. Step outside to enjoy the screened-in patio overlooking a fully fenced backyard, perfect for outdoor gatherings, pets, or simply relaxing. Additional highlights include, custom blinds throughout the home. beautifully landscaped and in community with no CDD fees. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$409,990

Down Payment: 20%

$81,998

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,084

Principal & Interest: $2,084

Est. Taxes & Insurance: $521

Estimated Total Monthly

$2,605

*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$2,084

Property taxesest. at asking price, Nassau County$566

HOAbilled annually$81

Estimated total, before insurance$2,731/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: $375,000 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$319,717	$268,995	—
2024	$311,196	$261,196	—
2023	$60,000	$60,000	—
2022	$25,000	$25,000	—

2025 property taxes (current owner): $4,289/yr

Estimated taxes if purchased at asking price: ~$6,800/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 2023)

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

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 1, 2026Listed$409,990

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

Features

Price$409,990

Price / Sq Ft$236

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,734

Acres0.11 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address95233 Terri'S Way, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionConcourse Crossing

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size4,791.6 sq ft

Parcel Number292N28033000580000

Amenities

UtilitiesElectricity Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryIn Unit