This home is in Fernandina Beach.
Active·45 days on market
96158 Stoney Creek Parkway 402
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Skip the stress of moving and step right into paradise with this completely furnished, turn-key townhome! Located in the highly desirable gated neighborhood of The Cottages at Stoney Creek, this beautiful 3-bedroom property features a bright open layout designed for effortless coastal living. Maintained in absolute pristine condition, it is sold fully loaded with all quality furniture, coastal decor, and housewares included. The main level pairs a large kitchen and breakfast bar with light, airy living and dining spaces that flow seamlessly out to your private screened lanai, overlooking a premium, tranquil wooded backyard with no rear neighbors. Upstairs, the open landing area features a dedicated desk and hutch setup that adds perfect flex functionality for working from home or a study nook. The generous primary suite serves as a true retreat, highlighting a giant walk-in closet and a spacious bathroom complete with a dual-sink vanity, a relaxing tub, and a separate walk-in shower.
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, 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 (that applies to the reference bill above too).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $248,000 | $248,000 | — |
| 2024 | $238,000 | $107,340 | — |
| 2023 | $235,000 | $102,757 | — |
| 2022 | $194,000 | $98,308 | — |
| 2021 | $149,000 | $93,988 | — |
| 2020 | $142,000 | $92,000 | — |
2025 property taxes (current owner): $3,807/yr
Estimated taxes if purchased at asking price: ~$5,400/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 2008)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA
County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,712 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 8, 2026Listed$324,000
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 SOUTHEASTERN PARTNERS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Cottages at Stoney Creek
Active$314,000MLS# 2133771Est. $1,671/mo96010 Stoney Drive 2405, Fernandina Beach, FL 320343 Beds2 Baths1,680 sqftSHRIMPLY THE BEST VALUE **NEW PAINT ** NEW FLOORS ** NEW A/C** NEW ROOF ** Relax with a coffee or a glass of wine and…
ResidentialPINEYWOODS REALTY LLC
Active$334,995MLS# 2137221Est. $1,783/mo96030 Stoney Drive 2502, Fernandina Beach, FL 320343 Beds2 Baths1,477 sqftWelcome to the Cottages at Stoney Creek, a GATED COMMUNITY where low-maintenance living meets effortless Florida style!…
ResidentialFERNANDINA BEACH REALTY
Active$305,000MLS# 2154691Est. $1,623/mo96028 Cottage Court 1401, Fernandina Beach, FL 320343 Beds2 Baths1,631 sqftRare End Unit in a Gated Community with Peaceful Wooded Views! Move-in ready and offering extra privacy, this desirable…
ResidentialKELLER WILLIAMS SOUTHEASTERN PARTNERS
Active$299,999MLS# 2156372Est. $1,597/mo96029 Cottage Court 1205, Fernandina Beach, FL 320343 Beds2 Baths1,680 sqftWelcome home! This spacious 3 Bedroom/2 Bath condo is the largest floor plan in the community, and it truly lives more…
ResidentialFERNANDINA BEACH REALTY
Keep looking
Similar homes in Fernandina Beach
Active$295,000MLS# 2147746Est. $1,570/mo1601 Nectarine Street A3, Fernandina Beach, FL 320342 Beds2 Baths978 sqftResidentialAMELIA ISLAND REAL ESTATE SERVICES
Active$285,000MLS# 2142037Est. $1,517/mo96023 Cottage Court 1202, Fernandina Beach, FL 320343 Beds2 Baths1,477 sqftResidentialBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines