Active·142 days on market
96291 Nassau Lakes Circle
Fernandina Beach, FL 32034
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About this home
Fernandina Beach
Beautifully landscaped and ideally positioned on a spacious corner lot, this well-maintained home offers outstanding curb appeal and plenty of room to grow. The thoughtfully designed floor plan features expansive living spaces on the main level--perfect for both everyday living and entertaining--while four generously sized bedrooms upstairs provide comfort and privacy. Recent updates enhance both style and functionality, including an electric fireplace, cement-coated floors, updated bathrooms including showers and tubs, new countertops. The bright kitchen showcases newer stainless-steel appliances and a cozy breakfast area, ideal for casual dining. A formal dining room overlooks the private, fully fenced backyard, enclosed with a 6-foot privacy fence--perfect for relaxing or hosting gatherings. Step outside to enjoy the paver patio which is perfect for dining or proceed to your own firepit area, creating a warm and inviting outdoor living space. This oversized lot can accommodate a poo
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: Shingle — year not disclosed (home built 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0116793 - Nassau Regional WWTF (NassauCntyUtilsGDB) · Public water (record)
County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF (NassauCntyUtilsGDB) — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,777 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Beach access 40, S Fletcher Ave. & Pascoabout 5 mi · 10 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 6 mi · 3.6 mi of trails
Closest public boat ramp
Melton Nelson Park and Boat Rampabout 3 mi · Lofton Creek
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 6 mi · Egan's Creek
Closest grocery store
Walmart Supercenterabout 0.8 mi · 464016 State Road 200, Yulee
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:33 AM, sunset 6:48 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
History
Price & status history
- Jul 23, 2026Price change$495,000−$30,000
- Jun 1, 2026Listed$525,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $256/sq ft; this home is listed at $221/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 96014 Inlet Cove Court, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Sep 2026 | $432,700 | $221 | 3/2 | 1,954 | 447 | 0.4 |
| 96816 Arrigo Boulevard, Fernandina Beach, FL 31522Listed by MARSH LIFE REALTY, LLC | Aug 2026 | $400,000 | $192 | 3/2 | 2,088 | 2 | 0.4 |
| 95214 Golden Glow Drive, Fernandina Beach, FL 32034Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC. | Sep 2026 | $640,000 | $256 | 4/3 | 2,496 | 450 | 0.6 |
| 95136 Golden Glow Drive, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Aug 2026 | $840,000 | $325 | 3/2.5 | 2,584 | 46 | 0.6 |
| 95043 Paso Robles Court, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $685,000 | $385 | 2/2 | 1,778 | 86 | 0.8 |
| 23701 Flora Parke Boulevard, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $389,000 | $238 | 4/2 | 1,636 | 10 | 1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
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