This home is in Fernandina Beach.
Active·45 days on market
96069 Hidden Marsh Lane
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Welcome home to this charmingly remodeled property nestled beneath a canopy of beautiful oak trees on a spacious ½-acre corner lot. Offering the freedom of NO HOA fees and NO CDD fees, this home provides the perfect blend of comfort, privacy, and convenience. Inside, you'll find 3 bedrooms, 3 bathrooms, a dedicated office, formal dining room, and a spacious primary suite designed for everyday living. Gather around the cozy gas fireplace, enjoy meals prepared in the kitchen with gas cooking, and make lasting memories in the generous living spaces. Enjoy outdoor living in the large fenced backyard with plenty of room for a pool, garden, or play area, plus a storage shed for extra space. Conveniently located near Amelia Island beaches, historic downtown Fernandina Beach, shopping, dining, and top-rated Nassau County schools, this property is ready to welcome you home.
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 | $453,599 | $430,757 | — |
| 2024 | $409,290 | $391,597 | — |
| 2023 | $396,247 | $355,997 | — |
| 2022 | $355,564 | $323,634 | — |
| 2021 | $294,213 | $294,213 | — |
| 2020 | $273,794 | $273,794 | — |
2025 property taxes (current owner): $6,754/yr
Estimated taxes if purchased at asking price: ~$8,900/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: Shingle — year not disclosed (home built 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water · JEA
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: ~1,581 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 4, 2026Listed$539,000
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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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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