This home is in Fernandina Beach.

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Active

Active·45 days on market

95072 Golden Glow Drive

Fernandina Beach, FL 32034

$792,500$330/sqftEst. $4,028/moMLS# 2148763

Beds

Baths

2,402

Sq Ft

2021

Built

Garage

Pool

About this home

Fernandina Beach

CDD BOND PAID OFF & SELLER IS OFFERING A $10,000 CREDIT at closing to use however you choose- pay closing costs, interest rate buy-down, take $10k off the list price etc. Supreme Coverage Home Warranty included through 2-10 Home Warranty. Don't miss this exceptional value in the gated golf course community of Amelia National. This 4-bed, 3-bath home features a thoughtfully designed open, split-bedroom floor plan with extensive custom storage & upgrades throughout. Custom cabinetry & shelving can be found in the pantry, laundry room, bedrooms & closets, providing organization rarely found in today's homes. The spacious primary suite offers dual walk-in closets with floor-to-ceiling custom shelving, while the en-suite bath includes double vanities, a garden tub, & separate shower. The kitchen is beautifully appointed with quartz countertops, a gas cooktop, wall oven, microwave, custom cabinet hardware & abundant workspace for everyday living & entertaining. The

Cost to own

Mortgage calculator

Home Price

$792,500

Down Payment: 20%

$158,500

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,028

Principal & Interest: $4,028

Est. Taxes & Insurance: $1,007

Estimated Total Monthly

$5,035

*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$4,028

Property taxesest. at asking price, Nassau County$1,094

HOAbilled annually$81

Estimated total, before insurance$5,204/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: $667,500 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$654,682	$569,172	—
2024	$661,401	$552,283	—
2023	$589,595	$534,595	—
2022	$519,454	$519,454	—
2021	$25,643	$25,643	—

2025 property taxes (current owner): $9,391/yr

Estimated taxes if purchased at asking price: ~$13,100/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 F

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

Roof: Shingle — year not disclosed (home built 2021)

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

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 4, 2026Listed$792,500

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

Features

Price$792,500

Price / Sq Ft$330

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,402

Acres0.34 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address95072 Golden Glow Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia National

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size14,810.4 sq ft

Parcel Number272N28006C03770000

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Pickleball, Tennis Court(s)

UtilitiesElectricity Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewProtected Preserve

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

SecurityGated with Guard