This home is in Fernandina Beach.

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Active

Active·47 days on market

940842 Old Nassauville Road

Fernandina Beach, FL 32034

$2,800,000$576/sqftEst. $14,232/moMLS# 2148295

Beds

Baths

4,862

Sq Ft

2007

Built

Garage

Yes

Pool

About this home

Fernandina Beach

From sunrise fishing expeditions to sunset gatherings on the dock, every day is defined by the water. Discover an extraordinary estate offering the perfect blend of luxury, recreation, and coastal living. Privately situated along one of Nassau County's most desirable waterways, this exceptional property provides deep-water accommodations, and breathtaking marsh-to-water views. Your own private covered dock features deep water at low tide, a grandfathered 800sf platform, floater, 10,000-lb boat lift, & easy access to the ICW and Atlantic. Renowned among local fishing guides and avid anglers, the waters are known for exceptional fishing opportunities. Enjoy boating, kayaking, paddleboarding, jet skiing, and fishing directly from your backyard. The thoughtfully designed residence offers palacial living areas, comfortable guest accommodations, abundant storage, expansive covered porches, 3-car garage, and the convenience of a whole house generator, all set on over 3+ acres.

Cost to own

Mortgage calculator

Home Price

$2,800,000

Down Payment: 20%

$560,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$14,232

Principal & Interest: $14,232

Est. Taxes & Insurance: $3,558

Estimated Total Monthly

$17,790

*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$14,232

Property taxesest. at asking price, Nassau County$3,865

Estimated total, before insurance$18,098/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.

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: Metal — year not disclosed (home built 2007)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,682 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

Jul 16, 2026Price change$2,800,000−$375,000
Jun 2, 2026Listed$3,175,000

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

Features

Price$2,800,000

Price / Sq Ft$576

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,862

Acres3.19 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Other

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Fenced, Heated, Other, Salt Water, Screen Enclosure

Is WaterfrontYes

Community Information

Address940842 Old Nassauville Road, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionSheffield Bluff

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size138,956.4 sq ft

Lot Dimensions262x676x177x617

Parcel Number452N549500080000

ZoningResidential

Amenities

UtilitiesCable Available, Propane, Other

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Garage, Garage Door Opener, Gated, RV Access/Parking, Other

ViewIntracoastal, River, Trees/Woods, Water, Other

Waterfront TypeIntracoastal, Marsh, Navigable Water, No Fixed Bridges, Ocean Access, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Central Vacuum, Elevator, Guest Suite, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar, Other

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

HeatingCentral, Heat Pump, Zoned

CoolingCentral Air, Multi Units, Zoned

FlooringTile, Wood

FireplaceYes

# of Fireplaces3

Fireplace FeaturesOther, Gas, Outside

# of Stories2

LevelsTwo

LaundryLower Level, Sink

SecurityCarbon Monoxide Detector(s), Fire Alarm, Security Lights, Smoke Detector(s), Other

Spa FeaturesIn Ground, Private