This home is in Fernandina Beach.
Active·47 days on market
95259 Village Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Welcome to sought-after Marsh Lakes, where comfort, versatility, and coastal charm come together. This beautifully maintained, move-in ready home features a desirable floor plan with a first-floor primary suite and an expansive second-floor bonus room complete with a full bath, mini refrigerator, coffee bar, microwave, and private balcony with peaceful marsh and lake views. Perfect as a guest retreat, second primary suite, or mother-in-law suite. The open-concept layout offers soaring vaulted ceilings and seamlessly connects the kitchen, dining, and living areas. Enjoy beautiful cabinetry, a breakfast bar, and sunny breakfast nook, plus a glass-enclosed sunroom overlooking a private stone courtyard. Offered fully furnished, this home is ideal as a primary residence, second home, or vacation getaway. Residents enjoy a community pool, tennis and pickleball courts, walking paths, and a stocked pond.
Cost to own
Mortgage calculator
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, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $426,046 | $387,651 | — |
| 2024 | $421,221 | $352,410 | — |
| 2023 | $392,042 | $320,373 | — |
| 2022 | $332,942 | $291,248 | — |
| 2021 | $264,771 | $264,771 | — |
| 2020 | $245,045 | $244,454 | — |
2025 property taxes (current owner): $6,227/yr
Estimated taxes if purchased at asking price: ~$9,400/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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: material not specified — year not disclosed (home built 1999)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA
County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,559 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.
History
Price & status history
- Jun 2, 2026Listed$569,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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