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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·138 days on market

940842 Old Nassauville Road

Fernandina Beach, FL 32034

$2,800,000$576/sqftEst. $15,509/moMLS# 2148295
↓ $375,000 below original list
4
Beds
4.5
Baths
4,862
Sq Ft
2007
Built
3
Garage
Yes
Pool
FEMA Zone XNo HOA3.19 acresWaterfrontSingle Family Residence2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$15,509
Property taxesest. at asking price, Nassau County$3,865
Estimated total, before insurance$19,375/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, 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

$2,800,000
$560,000
Loan Term
Monthly Payment
$15,509
Principal & Interest: $15,509
Property taxes (est.): $3,866
Insurance (est.): $1,867
Estimated Total Monthly
$21,241
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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.

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.

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 $168/sq ft; this home is listed at $576/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
97293 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS JACKSONVILLENov 2025$569,900$1616/33,539481.5
85030 Majestic Walk Boulevard, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$740,000$1675/44,4212611.8
85246 Northfield Court, Fernandina Beach, FL 32034Listed by OPENDOOR BROKERAGE, LLC.Dec 2025$685,000$1684/3.54,077961.8
95134 Starling Court, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAJun 2026$1,075,000$2944/43,6611462.2
85390 Cherry Creek Drive, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2025$765,000$1625/44,7191232.3
95185 Amelia National Parkway, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYSep 2026$1,000,000$2424/44,127212.5

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

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

Community FeaturesFishing, Gated
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

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

Exterior

Exterior FeaturesBalcony, Boat Lift, Boat Slip, Dock, Outdoor Kitchen, Other
Lot DescriptionMany Trees, Split Possible, Sprinklers In Front, Sprinklers In Rear, Wooded, Other
Patio / PorchCovered, Deck, Patio, Porch, Rear Porch, Screened
FencingOther, Fenced, Back Yard, Chain Link, Full, Wrought Iron
RoofMetal
ConstructionOther, Concrete
Other StructuresOutdoor Kitchen
Road SurfacePaved
Road FrontageCounty Road

Additional Information

Date ListedJune 2, 2026
Days on Market52
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

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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20+ years · 500+ closings · NE Florida

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