This home is in Fernandina Beach.

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Active

Active·45 days on market

94705 Duck Lake Drive

Fernandina Beach, FL 32034

$360,000$196/sqftEst. $1,830/moMLS# 2149071

Beds

Baths

1,841

Sq Ft

1982

Built

—

Garage

Pool

About this home

Fernandina Beach

Private retreat on a .57-acre fenced corner lot beneath mature oak trees in sought-after Holly Point with NO HOA and NO CDD. This 4-bed, 3-bath home offers flexibility, privacy, and room for boats, RVs, and all your outdoor toys, just minutes from Amelia Island, downtown Fernandina Beach, shopping, dining, and schools. Elevated for coastal breezes and peace of mind, the home features solid hardwood floors, tile in the kitchen and baths, beadboard accents, pocket doors, and a NEW metal roof (2025). The dedicated office with its own private entrance is perfect for remote work, a home business, or creative space. Downstairs, a private suite and additional air-conditioned flex space provide endless possibilities for guests, multi-generational living, hobbies, a gym, or additional bedrooms. Updates include a new well pump, well tank, bladder tank, and electric water heater. Covered parking, garage space, circular driveway, fruit-bearing plants, and nearby Boat Ramp complete this offering.

Cost to own

Mortgage calculator

Home Price

$360,000

Down Payment: 20%

$72,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,830

Principal & Interest: $1,830

Property taxes (est.): $497

Insurance (est.): $240

Estimated Total Monthly

$2,567

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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.

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$1,830

Property taxesest. at asking price, Nassau County$497

Estimated total, before insurance$2,327/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

Year	Market value	Taxable value	Change
2025	$321,542	$129,562	—
2024	$305,727	$125,203	—
2023	$270,387	$120,100	—
2022	$219,140	$115,146	—
2021	$177,109	$110,336	—
2020	$158,122	$108,122	—

2025 property taxes (current owner): $2,148/yr

Estimated taxes if purchased at asking price: ~$6,000/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: Metal — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,343 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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