Sold·Closed Sep 23, 2026·84 days on market
95081 Wildwood Circle
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Welcome to 95081 Wildwood Circle.. This 3 bed, 2 bath home sits on an ACRE of land and is in a very sought after area.. This home has great curb appeal and truly sets the tone for what's within.. Tons of storage space outside and lots of parking space also.. No HOA and tons of privacy.. Living and dining room area are very spacious and perfect for guests/entertaining! There is also a large kitchen with ample storage space that overlooks into another BIG living area where the options are endless.. This location is IDEAL, close to everything - the beaches, shopping, eating, schools, highways and everything else Fernandina/Amelia has to offer!
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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • 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.
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: material not specified — year not disclosed (home built 1995)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,412 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Scott Road Beach Accessabout 5 mi · 100 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 7 mi · 11.2 mi of trails
Closest public boat ramp
Holly Point Boat Rampabout 2 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 6 mi · Edwards Creek
Closest grocery store
Walmart Supercenterabout 3 mi · 464016 State Road 200, Yulee
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $349,098 | $0 | — |
| 2024 | $323,290 | $0 | — |
| 2023 | $313,120 | $0 | — |
| 2022 | $222,372 | $0 | — |
| 2021 | $172,783 | $122,783 | — |
| 2020 | $153,247 | $69,754 | ▲ $11,334 |
Estimated taxes if purchased at asking price: ~$5,100/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.
History
Price & status history
- Sep 25, 2026Closed$335,000
- Aug 18, 2026Active Under Contract$335,000
- Aug 8, 2026Price change$335,000−$15,000
- Jul 22, 2026Active$350,000
- Jun 8, 2026Listed$350,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $214/sq ft; this home is listed at $236/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95114 Gentry Lane, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2026 | $216,500 | $133 | 3/2 | 1,624 | 23 | 0.1 |
| 95478 Plum Loop, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | Jul 2026 | $240,000 | $214 | 2/1 | 1,120 | 72 | 0.2 |
| 95118 Petunia Court, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Feb 2026 | $160,000 | $153 | 2/2 | 1,043 | 89 | 0.6 |
| 97166 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $395,000 | $231 | 3/2 | 1,707 | 14 | 0.7 |
| 95608 Clearwater Road, Fernandina Beach, FL 32034Listed by PALM III REALTY AND PROPERTY M | Apr 2026 | $305,000 | $195 | 3/2 | 1,568 | 111 | 0.7 |
| 97280 Harbor Concourse Circle, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $405,000 | $227 | 3/2 | 1,787 | 89 | 0.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: COLDWELL BANKER ANABASIS REALTY
Sold by: PINEYWOODS REALTY LLC (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
This home sold on Sep 23, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
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