This home is in Fernandina Beach.

1 / 53

Active

Active·45 days on market

85491 Fall River Parkway

Fernandina Beach, FL 32034

$799,000$260/sqftEst. $4,061/moMLS# 2148385

Beds

Baths

3,073

Sq Ft

2023

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to this beautifully designed ranch-style water view home offering the perfect blend of luxury, comfort, and functionality. Featuring an open-concept floor plan and a highly desirable RV/boat 3 car garage, this home is ideal for both everyday living and entertaining. The thoughtfully designed layout includes two spacious secondary bedrooms with walk-in closets, a full bath, and a convenient powder room for guests. Tucked away for privacy, the owner's suite features dual walk-in closets and a luxurious en-suite bath. At the heart of the home, the expansive great room flows seamlessly into the dining area and gourmet kitchen, complete with a large center island, walk-in pantry, and abundant cabinetry. Sliding glass doors open to a covered lanai, creating a seamless indoor-outdoor living experience. Additional highlights include a spacious laundry room, mudroom, and flexible living spaces that can be customized as a home office, Jack-and-Jill suite, second owner's suite, formal

Cost to own

Mortgage calculator

Home Price

$799,000

Down Payment: 20%

$159,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,061

Principal & Interest: $4,061

Est. Taxes & Insurance: $1,015

Estimated Total Monthly

$5,077

*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$4,061

Property taxesest. at asking price, Nassau County$1,103

HOAbilled annually$7

Estimated total, before insurance$5,171/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: $742,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$597,564	$404,864	—
2024	$570,622	$392,746	—
2023	$75,000	$71,500	—
2022	$65,000	$65,000	—
2021	$40,000	$40,000	—
2020	$14,661	$14,661	—

2025 property taxes (current owner): $10,709/yr

Estimated taxes if purchased at asking price: ~$13,200/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 — 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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,743 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 8, 2026Price change$799,000−$36,000
Jun 5, 2026Listed$835,000

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

Features

Price$799,000

Price / Sq Ft$260

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,073

Acres0.32 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address85491 Fall River Parkway, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia Walk

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size13,939.2 sq ft

Parcel Number132N27072300960000

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener, RV Access/Parking

ViewPond

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringLaminate

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup