This home is in Fernandina Beach.
Active·30 days on market
96158 Stoney Creek Parkway
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, 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 | $248,000 | $248,000 | — |
2025 property taxes (current owner): $3,807/yr
Estimated taxes if purchased at asking price: ~$5,300/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 502 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.
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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
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$285,000MLS# 2142037Est. $1,517/mo96023 Cottage Court 1202, Fernandina Beach, FL 320343 Beds2 Baths1,477 sqftEnjoy low-maintenance living in The Cottages at Stoney Creek, a gated community offering comfort, convenience, and…
ResidentialBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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.
Contact KristaText 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