Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a home near Yulee High School.

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Active

Active·45 days on market

84951 Fall River Parkway

Fernandina Beach, FL 32034

$475,000$210/sqftEst. $2,422/moMLS# 2150926

Beds

Baths

2,266

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

SELLER OFFERING Flexible option of $10,000 toward buyer's CLOSING COSTS OR CDD PAY-OFF with acceptable offer. Welcome to this beautifully maintained MOVE-IN READY home offering a bright open layout, clay tile floors in main areas, wall to wall carpet in bedrooms, a true split floor plan and thoughtfully upgraded throughout. The spacious kitchen flows seamlessly into the main living area, creating an ideal space for everyday living and entertaining. One of the front bedrooms can easily serve as a dedicated home office or flexible bonus space to fit your lifestyle. The fully fenced backyard provides privacy and room to play, garden, or relax outdoors. Additional features include 3-car garage, Ring security system, washer and dryer, and a convenient utility sink in the laundry room. This home is immaculately clean and move-in ready with modern comforts already in place. Residents enjoy access to an impressive array of amenities. Come explore all Amelia Walk has to offer

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,422

Principal & Interest: $2,422

Property taxes (est.): $656

Insurance (est.): $317

Estimated Total Monthly

$3,394

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,422

Property taxesest. at asking price, Nassau County$656

HOAbilled annually$7

Estimated total, before insurance$3,085/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,193/yr · $516/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, 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

Last sold: $388,600 in July 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$403,398	$403,398	—
2024	$389,078	$389,078	—
2023	$373,868	$373,868	—
2022	$65,000	$65,000	—
2021	$40,000	$40,000	—

2025 property taxes (current owner): $6,193/yr

Estimated taxes if purchased at asking price: ~$7,900/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 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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,718 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 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

Price & status history

Jun 16, 2026Listed$475,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$475,000

Price / Sq Ft$210

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,266

Total Structure Area2,606 sq ft

Acres0.20 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address84951 Fall River Parkway, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia Walk

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size8,712 sq ft

Parcel Number132N27072400050000

ZoningPUD

Amenities

AmenitiesPool, Cable TV, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Management - Part Time, Management- On Site, Pickleball, Playground, Tennis Court(s), Water

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods