This home is in Fernandina Beach.

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Active

Active·48 days on market

93688 Newmarket Lane

Fernandina Beach, FL 32034

$694,900$220/sqftEst. $3,532/moMLS# 2148157

Beds

Baths

3,162

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

MOTIVATED SELLER! REDUCED & SELLER is OFFERING 10K towards buyer's RATE BUYDOWN/CLOSING COST New updates include, Stylish Tile on the main level, Separate irrigation meter, pavers on the lanai, whole-house water softener system, and new upgraded lighting and fans throughout. 5-bedroom, 4-bath home located just 5 miles from the beach! This thoughtfully designed floor plan features a full bedroom and bathroom on the main level, perfect for guests or multi-generational living. Upstairs, a large loft provides flexible living space ideal for a media room, playroom, home office, fitness area, or additional family den. Enjoy the convenience of a 3-car garage. The oversized backyard offers plenty of room for a pool and backs up to a peaceful preserve, providing added privacy. Relax year-round in the large screened lanai. This move-in-ready home is perfect for entertaining & enjoying the Florida lifestyle. Generous living spaces, versatile design, and a prime location in Fernandina Beach.NO CDD

Cost to own

Mortgage calculator

Home Price

$694,900

Down Payment: 20%

$138,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,532

Principal & Interest: $3,532

Est. Taxes & Insurance: $883

Estimated Total Monthly

$4,415

*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$3,532

Property taxesest. at asking price, Nassau County$959

HOAbilled quarterly$128

Estimated total, before insurance$4,620/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: $551,400 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$595,758	$480,484	—
2024	$523,348	$466,235	—
2023	$501,199	$451,199	—
2022	$65,000	$55,000	—
2021	$50,000	$50,000	—

2025 property taxes (current owner): $7,535/yr

Estimated taxes if purchased at asking price: ~$11,500/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 (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: Concrete, Shingle — year not disclosed (home built 2022)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,746 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 1, 2026Listed$694,900

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

Features

Price$694,900

Price / Sq Ft$220

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,162

Acres0.27 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address93688 Newmarket Lane, Fernandina Beach, FL 32034

Area471-Nassau County-Chester/Pirates Woods Areas

SubdivisionKingsley

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size11,761.2 sq ft

Parcel Number392N28014101400000

Amenities

AmenitiesPool

UtilitiesCable Available, Cable Connected, Electricity Connected, Natural Gas Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryUpper Level